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$8,025
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,275
−HK$254/mo
Today · 4.125%
HK$8,529
baseline
▲ 0.50% · 4.625%
HK$9,048
+HK$519/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,058/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$8,928
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,168
−HK$243/mo
Today · 4.125%
HK$9,411
baseline
▲ 0.50% · 4.625%
HK$9,907
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,822/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$9,630
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,930
−HK$304/mo
Today · 4.125%
HK$10,234
baseline
▲ 0.50% · 4.625%
HK$10,857
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,468/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$10,714
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,001
−HK$292/mo
Today · 4.125%
HK$11,293
baseline
▲ 0.50% · 4.625%
HK$11,888
+HK$595/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,586/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$11,236
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,585
−HK$355/mo
Today · 4.125%
HK$11,940
baseline
▲ 0.50% · 4.625%
HK$12,667
+HK$727/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$23,880/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$12,499
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,835
−HK$340/mo
Today · 4.125%
HK$13,175
baseline
▲ 0.50% · 4.625%
HK$13,869
+HK$694/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$26,350/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$14,446
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,895
−HK$457/mo
Today · 4.125%
HK$15,352
baseline
▲ 0.50% · 4.625%
HK$16,286
+HK$934/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,704/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$16,071
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,502
−HK$437/mo
Today · 4.125%
HK$16,939
baseline
▲ 0.50% · 4.625%
HK$17,832
+HK$893/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,878/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).