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$8,030
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,280
−HK$253/mo
Today · 4.125%
HK$8,533
baseline
▲ 0.50% · 4.625%
HK$9,053
+HK$520/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,066/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$8,933
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,173
−HK$243/mo
Today · 4.125%
HK$9,416
baseline
▲ 0.50% · 4.625%
HK$9,912
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,832/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$9,636
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,936
−HK$304/mo
Today · 4.125%
HK$10,240
baseline
▲ 0.50% · 4.625%
HK$10,863
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,480/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$10,720
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,007
−HK$292/mo
Today · 4.125%
HK$11,299
baseline
▲ 0.50% · 4.625%
HK$11,894
+HK$595/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,598/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$11,242
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,591
−HK$356/mo
Today · 4.125%
HK$11,947
baseline
▲ 0.50% · 4.625%
HK$12,674
+HK$727/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,894/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$12,506
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,842
−HK$340/mo
Today · 4.125%
HK$13,182
baseline
▲ 0.50% · 4.625%
HK$13,877
+HK$695/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,364/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$14,454
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,903
−HK$457/mo
Today · 4.125%
HK$15,360
baseline
▲ 0.50% · 4.625%
HK$16,295
+HK$935/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,720/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$16,080
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,511
−HK$437/mo
Today · 4.125%
HK$16,948
baseline
▲ 0.50% · 4.625%
HK$17,842
+HK$894/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,896/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).