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$8,036
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,286
−HK$254/mo
Today · 4.125%
HK$8,540
baseline
▲ 0.50% · 4.625%
HK$9,060
+HK$520/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,080/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$8,940
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,180
−HK$243/mo
Today · 4.125%
HK$9,423
baseline
▲ 0.50% · 4.625%
HK$9,920
+HK$497/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,846/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$9,644
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,944
−HK$304/mo
Today · 4.125%
HK$10,248
baseline
▲ 0.50% · 4.625%
HK$10,872
+HK$624/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,496/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$10,728
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,016
−HK$292/mo
Today · 4.125%
HK$11,308
baseline
▲ 0.50% · 4.625%
HK$11,904
+HK$596/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,616/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$11,251
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,601
−HK$355/mo
Today · 4.125%
HK$11,956
baseline
▲ 0.50% · 4.625%
HK$12,684
+HK$728/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,912/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$12,516
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,852
−HK$341/mo
Today · 4.125%
HK$13,193
baseline
▲ 0.50% · 4.625%
HK$13,888
+HK$695/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,386/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$14,465
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,915
−HK$458/mo
Today · 4.125%
HK$15,373
baseline
▲ 0.50% · 4.625%
HK$16,308
+HK$935/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,746/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$16,093
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,524
−HK$438/mo
Today · 4.125%
HK$16,962
baseline
▲ 0.50% · 4.625%
HK$17,856
+HK$894/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,924/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).