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$8,032
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,282
−HK$254/mo
Today · 4.125%
HK$8,536
baseline
▲ 0.50% · 4.625%
HK$9,055
+HK$519/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,072/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$8,936
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,176
−HK$243/mo
Today · 4.125%
HK$9,419
baseline
▲ 0.50% · 4.625%
HK$9,915
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,838/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$9,639
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,939
−HK$304/mo
Today · 4.125%
HK$10,243
baseline
▲ 0.50% · 4.625%
HK$10,866
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,486/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$10,723
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,011
−HK$291/mo
Today · 4.125%
HK$11,302
baseline
▲ 0.50% · 4.625%
HK$11,898
+HK$596/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,604/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$11,245
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,595
−HK$355/mo
Today · 4.125%
HK$11,950
baseline
▲ 0.50% · 4.625%
HK$12,678
+HK$728/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,900/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$12,510
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,846
−HK$340/mo
Today · 4.125%
HK$13,186
baseline
▲ 0.50% · 4.625%
HK$13,881
+HK$695/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,372/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$14,458
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,908
−HK$457/mo
Today · 4.125%
HK$15,365
baseline
▲ 0.50% · 4.625%
HK$16,300
+HK$935/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,730/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$16,085
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,516
−HK$438/mo
Today · 4.125%
HK$16,954
baseline
▲ 0.50% · 4.625%
HK$17,847
+HK$893/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,908/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).