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$8,025
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,275
−HK$253/mo
Today · 4.125%
HK$8,528
baseline
▲ 0.50% · 4.625%
HK$9,047
+HK$519/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,056/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$8,928
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,167
−HK$243/mo
Today · 4.125%
HK$9,410
baseline
▲ 0.50% · 4.625%
HK$9,906
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,820/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$9,630
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,930
−HK$304/mo
Today · 4.125%
HK$10,234
baseline
▲ 0.50% · 4.625%
HK$10,857
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,468/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$10,713
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,001
−HK$291/mo
Today · 4.125%
HK$11,292
baseline
▲ 0.50% · 4.625%
HK$11,888
+HK$596/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,584/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$11,235
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,585
−HK$355/mo
Today · 4.125%
HK$11,940
baseline
▲ 0.50% · 4.625%
HK$12,666
+HK$726/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$23,880/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$12,499
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,834
−HK$340/mo
Today · 4.125%
HK$13,174
baseline
▲ 0.50% · 4.625%
HK$13,869
+HK$695/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$26,348/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$14,445
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,895
−HK$456/mo
Today · 4.125%
HK$15,351
baseline
▲ 0.50% · 4.625%
HK$16,285
+HK$934/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,702/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$16,070
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,501
−HK$437/mo
Today · 4.125%
HK$16,938
baseline
▲ 0.50% · 4.625%
HK$17,831
+HK$893/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,876/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).