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$8,028
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,278
−HK$254/mo
Today · 4.125%
HK$8,532
baseline
▲ 0.50% · 4.625%
HK$9,051
+HK$519/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,064/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$8,931
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,171
−HK$243/mo
Today · 4.125%
HK$9,414
baseline
▲ 0.50% · 4.625%
HK$9,910
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,828/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$9,634
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,934
−HK$304/mo
Today · 4.125%
HK$10,238
baseline
▲ 0.50% · 4.625%
HK$10,861
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,476/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$10,718
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,005
−HK$292/mo
Today · 4.125%
HK$11,297
baseline
▲ 0.50% · 4.625%
HK$11,892
+HK$595/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,594/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$11,240
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,589
−HK$355/mo
Today · 4.125%
HK$11,944
baseline
▲ 0.50% · 4.625%
HK$12,671
+HK$727/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$23,888/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$12,504
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,839
−HK$340/mo
Today · 4.125%
HK$13,179
baseline
▲ 0.50% · 4.625%
HK$13,874
+HK$695/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$26,358/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$14,451
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,900
−HK$457/mo
Today · 4.125%
HK$15,357
baseline
▲ 0.50% · 4.625%
HK$16,292
+HK$935/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,714/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$16,076
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,508
−HK$437/mo
Today · 4.125%
HK$16,945
baseline
▲ 0.50% · 4.625%
HK$17,838
+HK$893/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,890/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).