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$8,036
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,286
−HK$254/mo
Today · 4.125%
HK$8,540
baseline
▲ 0.50% · 4.625%
HK$9,059
+HK$519/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,080/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$8,940
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,180
−HK$243/mo
Today · 4.125%
HK$9,423
baseline
▲ 0.50% · 4.625%
HK$9,920
+HK$497/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,846/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$9,643
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,943
−HK$305/mo
Today · 4.125%
HK$10,248
baseline
▲ 0.50% · 4.625%
HK$10,871
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,496/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$10,728
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,016
−HK$291/mo
Today · 4.125%
HK$11,307
baseline
▲ 0.50% · 4.625%
HK$11,904
+HK$597/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,614/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$11,250
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,600
−HK$356/mo
Today · 4.125%
HK$11,956
baseline
▲ 0.50% · 4.625%
HK$12,683
+HK$727/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,912/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$12,516
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,852
−HK$340/mo
Today · 4.125%
HK$13,192
baseline
▲ 0.50% · 4.625%
HK$13,887
+HK$695/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,384/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$14,465
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,915
−HK$457/mo
Today · 4.125%
HK$15,372
baseline
▲ 0.50% · 4.625%
HK$16,307
+HK$935/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,744/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$16,092
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,523
−HK$438/mo
Today · 4.125%
HK$16,961
baseline
▲ 0.50% · 4.625%
HK$17,855
+HK$894/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,922/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).