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$8,044
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,295
−HK$254/mo
Today · 4.125%
HK$8,549
baseline
▲ 0.50% · 4.625%
HK$9,069
+HK$520/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,098/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$8,949
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,189
−HK$244/mo
Today · 4.125%
HK$9,433
baseline
▲ 0.50% · 4.625%
HK$9,930
+HK$497/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,866/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$9,653
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,954
−HK$305/mo
Today · 4.125%
HK$10,259
baseline
▲ 0.50% · 4.625%
HK$10,883
+HK$624/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,518/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$10,739
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,027
−HK$292/mo
Today · 4.125%
HK$11,319
baseline
▲ 0.50% · 4.625%
HK$11,916
+HK$597/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,638/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$11,262
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,613
−HK$355/mo
Today · 4.125%
HK$11,968
baseline
▲ 0.50% · 4.625%
HK$12,697
+HK$729/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,936/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$12,529
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,865
−HK$341/mo
Today · 4.125%
HK$13,206
baseline
▲ 0.50% · 4.625%
HK$13,902
+HK$696/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,412/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$14,480
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,930
−HK$458/mo
Today · 4.125%
HK$15,388
baseline
▲ 0.50% · 4.625%
HK$16,324
+HK$936/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,776/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,109
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,541
−HK$438/mo
Today · 4.125%
HK$16,979
baseline
▲ 0.50% · 4.625%
HK$17,874
+HK$895/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$33,958/mo (50% DSR)
Upfront cash ≈ HK$353K (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).