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$8,029
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,279
−HK$254/mo
Today · 4.125%
HK$8,533
baseline
▲ 0.50% · 4.625%
HK$9,052
+HK$519/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,066/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$8,932
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,172
−HK$243/mo
Today · 4.125%
HK$9,415
baseline
▲ 0.50% · 4.625%
HK$9,911
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,830/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$9,635
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,935
−HK$304/mo
Today · 4.125%
HK$10,239
baseline
▲ 0.50% · 4.625%
HK$10,862
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,478/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$10,719
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,006
−HK$292/mo
Today · 4.125%
HK$11,298
baseline
▲ 0.50% · 4.625%
HK$11,893
+HK$595/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,596/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$11,241
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,590
−HK$356/mo
Today · 4.125%
HK$11,946
baseline
▲ 0.50% · 4.625%
HK$12,672
+HK$726/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$23,892/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$12,505
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,841
−HK$340/mo
Today · 4.125%
HK$13,181
baseline
▲ 0.50% · 4.625%
HK$13,876
+HK$695/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$26,362/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$14,452
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,902
−HK$457/mo
Today · 4.125%
HK$15,359
baseline
▲ 0.50% · 4.625%
HK$16,293
+HK$934/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,718/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$16,078
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,509
−HK$438/mo
Today · 4.125%
HK$16,947
baseline
▲ 0.50% · 4.625%
HK$17,840
+HK$893/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,894/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).