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$8,043
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,293
−HK$254/mo
Today · 4.125%
HK$8,547
baseline
▲ 0.50% · 4.625%
HK$9,067
+HK$520/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,094/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$8,948
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,188
−HK$243/mo
Today · 4.125%
HK$9,431
baseline
▲ 0.50% · 4.625%
HK$9,928
+HK$497/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,862/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$9,651
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,952
−HK$305/mo
Today · 4.125%
HK$10,257
baseline
▲ 0.50% · 4.625%
HK$10,881
+HK$624/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,514/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$10,737
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,025
−HK$292/mo
Today · 4.125%
HK$11,317
baseline
▲ 0.50% · 4.625%
HK$11,914
+HK$597/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,634/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$11,260
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,610
−HK$356/mo
Today · 4.125%
HK$11,966
baseline
▲ 0.50% · 4.625%
HK$12,694
+HK$728/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,932/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$12,527
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,863
−HK$340/mo
Today · 4.125%
HK$13,203
baseline
▲ 0.50% · 4.625%
HK$13,899
+HK$696/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,406/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$14,477
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,927
−HK$458/mo
Today · 4.125%
HK$15,385
baseline
▲ 0.50% · 4.625%
HK$16,321
+HK$936/mo
Deposit HK$353K · loan HK$3.17M · min. income ≈ HK$30,770/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$16,106
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,538
−HK$438/mo
Today · 4.125%
HK$16,976
baseline
▲ 0.50% · 4.625%
HK$17,871
+HK$895/mo
Deposit HK$353K · loan HK$3.17M · min. income ≈ HK$33,952/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).