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$8,014
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,264
−HK$253/mo
Today · 4.125%
HK$8,517
baseline
▲ 0.50% · 4.625%
HK$9,035
+HK$518/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,034/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$8,916
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,155
−HK$243/mo
Today · 4.125%
HK$9,398
baseline
▲ 0.50% · 4.625%
HK$9,893
+HK$495/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,796/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$9,617
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,916
−HK$304/mo
Today · 4.125%
HK$10,220
baseline
▲ 0.50% · 4.625%
HK$10,842
+HK$622/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,440/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$10,699
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,986
−HK$291/mo
Today · 4.125%
HK$11,277
baseline
▲ 0.50% · 4.625%
HK$11,872
+HK$595/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,554/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$11,220
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,569
−HK$355/mo
Today · 4.125%
HK$11,924
baseline
▲ 0.50% · 4.625%
HK$12,649
+HK$725/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,848/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,482
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,817
−HK$340/mo
Today · 4.125%
HK$13,157
baseline
▲ 0.50% · 4.625%
HK$13,850
+HK$693/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,314/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,426
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,875
−HK$456/mo
Today · 4.125%
HK$15,331
baseline
▲ 0.50% · 4.625%
HK$16,263
+HK$932/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,662/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$16,049
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,479
−HK$437/mo
Today · 4.125%
HK$16,916
baseline
▲ 0.50% · 4.625%
HK$17,807
+HK$891/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,832/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).