The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$8,023
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,273
−HK$254/mo
Today · 4.125%
HK$8,527
baseline
▲ 0.50% · 4.625%
HK$9,045
+HK$518/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,054/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,926
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,165
−HK$243/mo
Today · 4.125%
HK$9,408
baseline
▲ 0.50% · 4.625%
HK$9,904
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,816/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,628
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,928
−HK$304/mo
Today · 4.125%
HK$10,232
baseline
▲ 0.50% · 4.625%
HK$10,855
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,464/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,711
−HK$579/mo
▼ 0.25% · 3.875%
HK$10,999
−HK$291/mo
Today · 4.125%
HK$11,290
baseline
▲ 0.50% · 4.625%
HK$11,885
+HK$595/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,580/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,233
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,582
−HK$355/mo
Today · 4.125%
HK$11,937
baseline
▲ 0.50% · 4.625%
HK$12,664
+HK$727/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$23,874/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,496
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,832
−HK$340/mo
Today · 4.125%
HK$13,172
baseline
▲ 0.50% · 4.625%
HK$13,866
+HK$694/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$26,344/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,442
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,891
−HK$457/mo
Today · 4.125%
HK$15,348
baseline
▲ 0.50% · 4.625%
HK$16,282
+HK$934/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,696/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,067
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,498
−HK$437/mo
Today · 4.125%
HK$16,935
baseline
▲ 0.50% · 4.625%
HK$17,828
+HK$893/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,870/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).