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$8,016
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,266
−HK$253/mo
Today · 4.125%
HK$8,519
baseline
▲ 0.50% · 4.625%
HK$9,037
+HK$518/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,038/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$8,918
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,157
−HK$243/mo
Today · 4.125%
HK$9,400
baseline
▲ 0.50% · 4.625%
HK$9,895
+HK$495/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,800/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$9,620
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,919
−HK$304/mo
Today · 4.125%
HK$10,223
baseline
▲ 0.50% · 4.625%
HK$10,845
+HK$622/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,446/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$10,702
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,989
−HK$291/mo
Today · 4.125%
HK$11,280
baseline
▲ 0.50% · 4.625%
HK$11,874
+HK$594/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,560/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$11,223
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,572
−HK$355/mo
Today · 4.125%
HK$11,927
baseline
▲ 0.50% · 4.625%
HK$12,652
+HK$725/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,854/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$12,485
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,820
−HK$340/mo
Today · 4.125%
HK$13,160
baseline
▲ 0.50% · 4.625%
HK$13,853
+HK$693/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,320/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$14,429
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,878
−HK$456/mo
Today · 4.125%
HK$15,334
baseline
▲ 0.50% · 4.625%
HK$16,267
+HK$933/mo
Deposit HK$352K · loan HK$3.16M · min. income ≈ HK$30,668/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$16,052
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,483
−HK$437/mo
Today · 4.125%
HK$16,920
baseline
▲ 0.50% · 4.625%
HK$17,812
+HK$892/mo
Deposit HK$352K · loan HK$3.16M · min. income ≈ HK$33,840/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).