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$8,008
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,258
−HK$253/mo
Today · 4.125%
HK$8,511
baseline
▲ 0.50% · 4.625%
HK$9,029
+HK$518/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,022/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$8,909
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,148
−HK$243/mo
Today · 4.125%
HK$9,391
baseline
▲ 0.50% · 4.625%
HK$9,886
+HK$495/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,782/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$9,610
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,909
−HK$304/mo
Today · 4.125%
HK$10,213
baseline
▲ 0.50% · 4.625%
HK$10,834
+HK$621/mo
Deposit HK$1.40M · loan HK$2.11M · min. income ≈ HK$20,426/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,691
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,978
−HK$291/mo
Today · 4.125%
HK$11,269
baseline
▲ 0.50% · 4.625%
HK$11,863
+HK$594/mo
Deposit HK$1.40M · loan HK$2.11M · min. income ≈ HK$22,538/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,212
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,561
−HK$354/mo
Today · 4.125%
HK$11,915
baseline
▲ 0.50% · 4.625%
HK$12,640
+HK$725/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,830/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,473
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,808
−HK$339/mo
Today · 4.125%
HK$13,147
baseline
▲ 0.50% · 4.625%
HK$13,840
+HK$693/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,294/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,415
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,864
−HK$455/mo
Today · 4.125%
HK$15,319
baseline
▲ 0.50% · 4.625%
HK$16,251
+HK$932/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,638/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,037
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,467
−HK$436/mo
Today · 4.125%
HK$16,903
baseline
▲ 0.50% · 4.625%
HK$17,794
+HK$891/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,806/mo (50% DSR)
Upfront cash ≈ HK$351K (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).