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$8,026
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,276
−HK$253/mo
Today · 4.125%
HK$8,529
baseline
▲ 0.50% · 4.625%
HK$9,048
+HK$519/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,058/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$8,929
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,168
−HK$243/mo
Today · 4.125%
HK$9,411
baseline
▲ 0.50% · 4.625%
HK$9,907
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,822/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$9,631
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,931
−HK$304/mo
Today · 4.125%
HK$10,235
baseline
▲ 0.50% · 4.625%
HK$10,858
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,470/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$10,714
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,002
−HK$291/mo
Today · 4.125%
HK$11,293
baseline
▲ 0.50% · 4.625%
HK$11,889
+HK$596/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,586/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$11,236
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,586
−HK$355/mo
Today · 4.125%
HK$11,941
baseline
▲ 0.50% · 4.625%
HK$12,667
+HK$726/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$23,882/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$12,500
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,835
−HK$341/mo
Today · 4.125%
HK$13,176
baseline
▲ 0.50% · 4.625%
HK$13,870
+HK$694/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$26,352/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$14,447
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,896
−HK$457/mo
Today · 4.125%
HK$15,353
baseline
▲ 0.50% · 4.625%
HK$16,287
+HK$934/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,706/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$16,072
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,503
−HK$437/mo
Today · 4.125%
HK$16,940
baseline
▲ 0.50% · 4.625%
HK$17,833
+HK$893/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,880/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).