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$8,042
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,292
−HK$254/mo
Today · 4.125%
HK$8,546
baseline
▲ 0.50% · 4.625%
HK$9,066
+HK$520/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,092/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$8,946
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,186
−HK$244/mo
Today · 4.125%
HK$9,430
baseline
▲ 0.50% · 4.625%
HK$9,927
+HK$497/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,860/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$9,650
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,950
−HK$305/mo
Today · 4.125%
HK$10,255
baseline
▲ 0.50% · 4.625%
HK$10,879
+HK$624/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,510/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$10,735
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,023
−HK$292/mo
Today · 4.125%
HK$11,315
baseline
▲ 0.50% · 4.625%
HK$11,912
+HK$597/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,630/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$11,258
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,608
−HK$356/mo
Today · 4.125%
HK$11,964
baseline
▲ 0.50% · 4.625%
HK$12,692
+HK$728/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,928/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$12,525
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,861
−HK$340/mo
Today · 4.125%
HK$13,201
baseline
▲ 0.50% · 4.625%
HK$13,897
+HK$696/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,402/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$14,475
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,925
−HK$458/mo
Today · 4.125%
HK$15,383
baseline
▲ 0.50% · 4.625%
HK$16,319
+HK$936/mo
Deposit HK$353K · loan HK$3.17M · min. income ≈ HK$30,766/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$16,103
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,535
−HK$438/mo
Today · 4.125%
HK$16,973
baseline
▲ 0.50% · 4.625%
HK$17,868
+HK$895/mo
Deposit HK$353K · loan HK$3.17M · min. income ≈ HK$33,946/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).