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$8,031
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,281
−HK$253/mo
Today · 4.125%
HK$8,534
baseline
▲ 0.50% · 4.625%
HK$9,054
+HK$520/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,068/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$8,934
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,174
−HK$243/mo
Today · 4.125%
HK$9,417
baseline
▲ 0.50% · 4.625%
HK$9,913
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,834/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$9,637
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,937
−HK$304/mo
Today · 4.125%
HK$10,241
baseline
▲ 0.50% · 4.625%
HK$10,864
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,482/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$10,721
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,009
−HK$291/mo
Today · 4.125%
HK$11,300
baseline
▲ 0.50% · 4.625%
HK$11,896
+HK$596/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,600/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$11,243
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,593
−HK$355/mo
Today · 4.125%
HK$11,948
baseline
▲ 0.50% · 4.625%
HK$12,675
+HK$727/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,896/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$12,508
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,843
−HK$341/mo
Today · 4.125%
HK$13,184
baseline
▲ 0.50% · 4.625%
HK$13,879
+HK$695/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,368/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$14,455
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,905
−HK$457/mo
Today · 4.125%
HK$15,362
baseline
▲ 0.50% · 4.625%
HK$16,297
+HK$935/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,724/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$16,082
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,513
−HK$437/mo
Today · 4.125%
HK$16,950
baseline
▲ 0.50% · 4.625%
HK$17,844
+HK$894/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,900/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).