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$8,024
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,274
−HK$253/mo
Today · 4.125%
HK$8,527
baseline
▲ 0.50% · 4.625%
HK$9,046
+HK$519/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,054/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$8,927
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,166
−HK$243/mo
Today · 4.125%
HK$9,409
baseline
▲ 0.50% · 4.625%
HK$9,905
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,818/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$9,629
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,929
−HK$304/mo
Today · 4.125%
HK$10,233
baseline
▲ 0.50% · 4.625%
HK$10,856
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,466/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$10,712
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,000
−HK$291/mo
Today · 4.125%
HK$11,291
baseline
▲ 0.50% · 4.625%
HK$11,886
+HK$595/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,582/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$11,234
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,583
−HK$355/mo
Today · 4.125%
HK$11,938
baseline
▲ 0.50% · 4.625%
HK$12,665
+HK$727/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$23,876/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$12,498
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,833
−HK$340/mo
Today · 4.125%
HK$13,173
baseline
▲ 0.50% · 4.625%
HK$13,867
+HK$694/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$26,346/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$14,444
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,893
−HK$456/mo
Today · 4.125%
HK$15,349
baseline
▲ 0.50% · 4.625%
HK$16,283
+HK$934/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,698/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$16,068
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,499
−HK$438/mo
Today · 4.125%
HK$16,937
baseline
▲ 0.50% · 4.625%
HK$17,829
+HK$892/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,874/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).