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$8,013
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,262
−HK$253/mo
Today · 4.125%
HK$8,515
baseline
▲ 0.50% · 4.625%
HK$9,033
+HK$518/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,030/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$8,914
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,153
−HK$243/mo
Today · 4.125%
HK$9,396
baseline
▲ 0.50% · 4.625%
HK$9,891
+HK$495/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,792/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$9,615
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,915
−HK$303/mo
Today · 4.125%
HK$10,218
baseline
▲ 0.50% · 4.625%
HK$10,840
+HK$622/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,436/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$10,697
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,984
−HK$291/mo
Today · 4.125%
HK$11,275
baseline
▲ 0.50% · 4.625%
HK$11,869
+HK$594/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,550/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$11,218
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,567
−HK$354/mo
Today · 4.125%
HK$11,921
baseline
▲ 0.50% · 4.625%
HK$12,647
+HK$726/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,842/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$12,480
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,815
−HK$339/mo
Today · 4.125%
HK$13,154
baseline
▲ 0.50% · 4.625%
HK$13,848
+HK$694/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,308/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$14,423
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,872
−HK$456/mo
Today · 4.125%
HK$15,328
baseline
▲ 0.50% · 4.625%
HK$16,260
+HK$932/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,656/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$16,046
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,476
−HK$436/mo
Today · 4.125%
HK$16,912
baseline
▲ 0.50% · 4.625%
HK$17,804
+HK$892/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,824/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).