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$8,035
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,285
−HK$254/mo
Today · 4.125%
HK$8,539
baseline
▲ 0.50% · 4.625%
HK$9,058
+HK$519/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,078/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$8,939
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,178
−HK$244/mo
Today · 4.125%
HK$9,422
baseline
▲ 0.50% · 4.625%
HK$9,918
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,844/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$9,642
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,942
−HK$304/mo
Today · 4.125%
HK$10,246
baseline
▲ 0.50% · 4.625%
HK$10,870
+HK$624/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,492/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$10,726
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,014
−HK$292/mo
Today · 4.125%
HK$11,306
baseline
▲ 0.50% · 4.625%
HK$11,902
+HK$596/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,612/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$11,249
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,599
−HK$355/mo
Today · 4.125%
HK$11,954
baseline
▲ 0.50% · 4.625%
HK$12,681
+HK$727/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,908/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$12,514
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,850
−HK$340/mo
Today · 4.125%
HK$13,190
baseline
▲ 0.50% · 4.625%
HK$13,885
+HK$695/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,380/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$14,463
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,912
−HK$457/mo
Today · 4.125%
HK$15,369
baseline
▲ 0.50% · 4.625%
HK$16,305
+HK$936/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,738/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$16,089
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,521
−HK$438/mo
Today · 4.125%
HK$16,959
baseline
▲ 0.50% · 4.625%
HK$17,853
+HK$894/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,918/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).