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$8,037
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,287
−HK$254/mo
Today · 4.125%
HK$8,541
baseline
▲ 0.50% · 4.625%
HK$9,061
+HK$520/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,082/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$8,941
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,181
−HK$243/mo
Today · 4.125%
HK$9,424
baseline
▲ 0.50% · 4.625%
HK$9,921
+HK$497/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,848/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$9,644
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,944
−HK$305/mo
Today · 4.125%
HK$10,249
baseline
▲ 0.50% · 4.625%
HK$10,873
+HK$624/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,498/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$10,729
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,017
−HK$292/mo
Today · 4.125%
HK$11,309
baseline
▲ 0.50% · 4.625%
HK$11,905
+HK$596/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,618/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$11,252
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,602
−HK$355/mo
Today · 4.125%
HK$11,957
baseline
▲ 0.50% · 4.625%
HK$12,685
+HK$728/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,914/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$12,517
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,853
−HK$341/mo
Today · 4.125%
HK$13,194
baseline
▲ 0.50% · 4.625%
HK$13,889
+HK$695/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,388/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$14,467
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,917
−HK$457/mo
Today · 4.125%
HK$15,374
baseline
▲ 0.50% · 4.625%
HK$16,309
+HK$935/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,748/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$16,094
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,526
−HK$437/mo
Today · 4.125%
HK$16,963
baseline
▲ 0.50% · 4.625%
HK$17,858
+HK$895/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,926/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).