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$8,011
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,260
−HK$253/mo
Today · 4.125%
HK$8,513
baseline
▲ 0.50% · 4.625%
HK$9,031
+HK$518/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,026/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$8,912
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,151
−HK$242/mo
Today · 4.125%
HK$9,393
baseline
▲ 0.50% · 4.625%
HK$9,888
+HK$495/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,786/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$9,613
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,912
−HK$303/mo
Today · 4.125%
HK$10,215
baseline
▲ 0.50% · 4.625%
HK$10,837
+HK$622/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,430/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$10,694
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,981
−HK$291/mo
Today · 4.125%
HK$11,272
baseline
▲ 0.50% · 4.625%
HK$11,866
+HK$594/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,544/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$11,215
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,564
−HK$354/mo
Today · 4.125%
HK$11,918
baseline
▲ 0.50% · 4.625%
HK$12,643
+HK$725/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,836/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,476
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,811
−HK$339/mo
Today · 4.125%
HK$13,150
baseline
▲ 0.50% · 4.625%
HK$13,844
+HK$694/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,300/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,419
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,867
−HK$456/mo
Today · 4.125%
HK$15,323
baseline
▲ 0.50% · 4.625%
HK$16,256
+HK$933/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,646/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,041
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,471
−HK$437/mo
Today · 4.125%
HK$16,908
baseline
▲ 0.50% · 4.625%
HK$17,799
+HK$891/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,816/mo (50% DSR)
Upfront cash ≈ HK$351K (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).