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$8,023
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,273
−HK$253/mo
Today · 4.125%
HK$8,526
baseline
▲ 0.50% · 4.625%
HK$9,045
+HK$519/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,052/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$8,926
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,165
−HK$243/mo
Today · 4.125%
HK$9,408
baseline
▲ 0.50% · 4.625%
HK$9,904
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,816/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$9,628
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,927
−HK$305/mo
Today · 4.125%
HK$10,232
baseline
▲ 0.50% · 4.625%
HK$10,854
+HK$622/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,464/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$10,711
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,998
−HK$291/mo
Today · 4.125%
HK$11,289
baseline
▲ 0.50% · 4.625%
HK$11,885
+HK$596/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,578/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$11,232
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,582
−HK$355/mo
Today · 4.125%
HK$11,937
baseline
▲ 0.50% · 4.625%
HK$12,663
+HK$726/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$23,874/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$12,496
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,831
−HK$340/mo
Today · 4.125%
HK$13,171
baseline
▲ 0.50% · 4.625%
HK$13,865
+HK$694/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$26,342/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$14,442
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,891
−HK$456/mo
Today · 4.125%
HK$15,347
baseline
▲ 0.50% · 4.625%
HK$16,281
+HK$934/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,694/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$16,066
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,497
−HK$437/mo
Today · 4.125%
HK$16,934
baseline
▲ 0.50% · 4.625%
HK$17,827
+HK$893/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,868/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).