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$8,045
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,295
−HK$254/mo
Today · 4.125%
HK$8,549
baseline
▲ 0.50% · 4.625%
HK$9,070
+HK$521/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$8,950
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,190
−HK$243/mo
Today · 4.125%
HK$9,433
baseline
▲ 0.50% · 4.625%
HK$9,931
+HK$498/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$9,654
−HK$605/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$10,740
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,028
−HK$292/mo
Today · 4.125%
HK$11,320
baseline
▲ 0.50% · 4.625%
HK$11,917
+HK$597/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,640/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$11,263
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,613
−HK$356/mo
Today · 4.125%
HK$11,969
baseline
▲ 0.50% · 4.625%
HK$12,697
+HK$728/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,938/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$12,530
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,866
−HK$341/mo
Today · 4.125%
HK$13,207
baseline
▲ 0.50% · 4.625%
HK$13,903
+HK$696/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,414/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$14,481
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,931
−HK$458/mo
Today · 4.125%
HK$15,389
baseline
▲ 0.50% · 4.625%
HK$16,325
+HK$936/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,778/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$16,110
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,542
−HK$438/mo
Today · 4.125%
HK$16,980
baseline
▲ 0.50% · 4.625%
HK$17,875
+HK$895/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$33,960/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).