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$8,021
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,270
−HK$254/mo
Today · 4.125%
HK$8,524
baseline
▲ 0.50% · 4.625%
HK$9,042
+HK$518/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,048/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$8,923
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,162
−HK$243/mo
Today · 4.125%
HK$9,405
baseline
▲ 0.50% · 4.625%
HK$9,901
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,810/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$9,625
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,924
−HK$304/mo
Today · 4.125%
HK$10,228
baseline
▲ 0.50% · 4.625%
HK$10,851
+HK$623/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$579/mo
▼ 0.25% · 3.875%
HK$10,995
−HK$291/mo
Today · 4.125%
HK$11,286
baseline
▲ 0.50% · 4.625%
HK$11,881
+HK$595/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,572/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$11,229
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,578
−HK$355/mo
Today · 4.125%
HK$11,933
baseline
▲ 0.50% · 4.625%
HK$12,659
+HK$726/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$23,866/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$12,492
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,827
−HK$340/mo
Today · 4.125%
HK$13,167
baseline
▲ 0.50% · 4.625%
HK$13,861
+HK$694/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$26,334/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$14,437
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,886
−HK$456/mo
Today · 4.125%
HK$15,342
baseline
▲ 0.50% · 4.625%
HK$16,276
+HK$934/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,684/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$16,061
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,492
−HK$437/mo
Today · 4.125%
HK$16,929
baseline
▲ 0.50% · 4.625%
HK$17,821
+HK$892/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,858/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).