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$8,049
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,299
−HK$255/mo
Today · 4.125%
HK$8,554
baseline
▲ 0.50% · 4.625%
HK$9,074
+HK$520/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,108/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,954
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,194
−HK$244/mo
Today · 4.125%
HK$9,438
baseline
▲ 0.50% · 4.625%
HK$9,936
+HK$498/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,876/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,659
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,959
−HK$305/mo
Today · 4.125%
HK$10,264
baseline
▲ 0.50% · 4.625%
HK$10,889
+HK$625/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,528/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$10,745
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,033
−HK$293/mo
Today · 4.125%
HK$11,326
baseline
▲ 0.50% · 4.625%
HK$11,923
+HK$597/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,652/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$11,268
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,619
−HK$356/mo
Today · 4.125%
HK$11,975
baseline
▲ 0.50% · 4.625%
HK$12,704
+HK$729/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,950/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$12,536
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,872
−HK$341/mo
Today · 4.125%
HK$13,213
baseline
▲ 0.50% · 4.625%
HK$13,910
+HK$697/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,426/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$14,488
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,939
−HK$457/mo
Today · 4.125%
HK$15,396
baseline
▲ 0.50% · 4.625%
HK$16,333
+HK$937/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,792/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,118
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,550
−HK$439/mo
Today · 4.125%
HK$16,989
baseline
▲ 0.50% · 4.625%
HK$17,884
+HK$895/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$33,978/mo (50% DSR)
Upfront cash ≈ HK$353K (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).