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$8,022
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,272
−HK$253/mo
Today · 4.125%
HK$8,525
baseline
▲ 0.50% · 4.625%
HK$9,044
+HK$519/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,050/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$8,925
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,164
−HK$243/mo
Today · 4.125%
HK$9,407
baseline
▲ 0.50% · 4.625%
HK$9,903
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,814/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$9,627
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,926
−HK$304/mo
Today · 4.125%
HK$10,230
baseline
▲ 0.50% · 4.625%
HK$10,853
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,460/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$10,709
−HK$579/mo
▼ 0.25% · 3.875%
HK$10,997
−HK$291/mo
Today · 4.125%
HK$11,288
baseline
▲ 0.50% · 4.625%
HK$11,883
+HK$595/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,576/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$11,231
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,580
−HK$355/mo
Today · 4.125%
HK$11,935
baseline
▲ 0.50% · 4.625%
HK$12,662
+HK$727/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$23,870/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$12,494
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,829
−HK$340/mo
Today · 4.125%
HK$13,169
baseline
▲ 0.50% · 4.625%
HK$13,864
+HK$695/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$26,338/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$14,440
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,889
−HK$456/mo
Today · 4.125%
HK$15,345
baseline
▲ 0.50% · 4.625%
HK$16,279
+HK$934/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,690/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$16,064
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,495
−HK$437/mo
Today · 4.125%
HK$16,932
baseline
▲ 0.50% · 4.625%
HK$17,825
+HK$893/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,864/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).