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$8,020
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,270
−HK$253/mo
Today · 4.125%
HK$8,523
baseline
▲ 0.50% · 4.625%
HK$9,042
+HK$519/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,046/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$8,922
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,162
−HK$242/mo
Today · 4.125%
HK$9,404
baseline
▲ 0.50% · 4.625%
HK$9,900
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,808/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$9,624
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,923
−HK$305/mo
Today · 4.125%
HK$10,228
baseline
▲ 0.50% · 4.625%
HK$10,850
+HK$622/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,456/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$10,707
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,994
−HK$291/mo
Today · 4.125%
HK$11,285
baseline
▲ 0.50% · 4.625%
HK$11,880
+HK$595/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,570/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$11,228
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,577
−HK$355/mo
Today · 4.125%
HK$11,932
baseline
▲ 0.50% · 4.625%
HK$12,658
+HK$726/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$23,864/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$12,491
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,826
−HK$340/mo
Today · 4.125%
HK$13,166
baseline
▲ 0.50% · 4.625%
HK$13,860
+HK$694/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$26,332/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$14,436
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,885
−HK$456/mo
Today · 4.125%
HK$15,341
baseline
▲ 0.50% · 4.625%
HK$16,275
+HK$934/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,682/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$16,060
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,491
−HK$437/mo
Today · 4.125%
HK$16,928
baseline
▲ 0.50% · 4.625%
HK$17,820
+HK$892/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,856/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).