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$8,046
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,296
−HK$254/mo
Today · 4.125%
HK$8,550
baseline
▲ 0.50% · 4.625%
HK$9,071
+HK$521/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$8,951
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,191
−HK$243/mo
Today · 4.125%
HK$9,434
baseline
▲ 0.50% · 4.625%
HK$9,932
+HK$498/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$9,655
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,955
−HK$305/mo
Today · 4.125%
HK$10,260
baseline
▲ 0.50% · 4.625%
HK$10,885
+HK$625/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$10,741
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,029
−HK$292/mo
Today · 4.125%
HK$11,321
baseline
▲ 0.50% · 4.625%
HK$11,918
+HK$597/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$11,264
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,614
−HK$356/mo
Today · 4.125%
HK$11,970
baseline
▲ 0.50% · 4.625%
HK$12,699
+HK$729/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$14,933
−HK$457/mo
Today · 4.125%
HK$15,390
baseline
▲ 0.50% · 4.625%
HK$16,327
+HK$937/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$871/mo
▼ 0.25% · 3.875%
HK$16,544
−HK$438/mo
Today · 4.125%
HK$16,982
baseline
▲ 0.50% · 4.625%
HK$17,877
+HK$895/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$33,964/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).