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$8,014
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,263
−HK$253/mo
Today · 4.125%
HK$8,516
baseline
▲ 0.50% · 4.625%
HK$9,035
+HK$519/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,032/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$8,915
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,154
−HK$243/mo
Today · 4.125%
HK$9,397
baseline
▲ 0.50% · 4.625%
HK$9,892
+HK$495/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,794/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$9,617
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,916
−HK$304/mo
Today · 4.125%
HK$10,220
baseline
▲ 0.50% · 4.625%
HK$10,842
+HK$622/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,440/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$10,698
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,985
−HK$291/mo
Today · 4.125%
HK$11,276
baseline
▲ 0.50% · 4.625%
HK$11,871
+HK$595/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,552/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$11,219
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,568
−HK$355/mo
Today · 4.125%
HK$11,923
baseline
▲ 0.50% · 4.625%
HK$12,648
+HK$725/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,846/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$12,481
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,816
−HK$340/mo
Today · 4.125%
HK$13,156
baseline
▲ 0.50% · 4.625%
HK$13,849
+HK$693/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,312/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$14,425
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,874
−HK$456/mo
Today · 4.125%
HK$15,330
baseline
▲ 0.50% · 4.625%
HK$16,262
+HK$932/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,660/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$16,048
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,478
−HK$437/mo
Today · 4.125%
HK$16,915
baseline
▲ 0.50% · 4.625%
HK$17,806
+HK$891/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,830/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).