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$8,045
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,296
−HK$254/mo
Today · 4.125%
HK$8,550
baseline
▲ 0.50% · 4.625%
HK$9,070
+HK$520/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,100/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$8,950
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,190
−HK$244/mo
Today · 4.125%
HK$9,434
baseline
▲ 0.50% · 4.625%
HK$9,931
+HK$497/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,868/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$9,654
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,955
−HK$305/mo
Today · 4.125%
HK$10,260
baseline
▲ 0.50% · 4.625%
HK$10,884
+HK$624/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,520/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$10,740
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,028
−HK$293/mo
Today · 4.125%
HK$11,321
baseline
▲ 0.50% · 4.625%
HK$11,917
+HK$596/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,642/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$11,263
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,614
−HK$356/mo
Today · 4.125%
HK$11,970
baseline
▲ 0.50% · 4.625%
HK$12,698
+HK$728/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,940/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$12,531
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,867
−HK$341/mo
Today · 4.125%
HK$13,208
baseline
▲ 0.50% · 4.625%
HK$13,904
+HK$696/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,416/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$14,482
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,932
−HK$458/mo
Today · 4.125%
HK$15,390
baseline
▲ 0.50% · 4.625%
HK$16,326
+HK$936/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,780/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,111
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,543
−HK$438/mo
Today · 4.125%
HK$16,981
baseline
▲ 0.50% · 4.625%
HK$17,876
+HK$895/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$33,962/mo (50% DSR)
Upfront cash ≈ HK$353K (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).