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$8,012
−HK$503/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$481/mo
▼ 0.25% · 3.875%
HK$9,153
−HK$242/mo
Today · 4.125%
HK$9,395
baseline
▲ 0.50% · 4.625%
HK$9,890
+HK$495/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,790/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$9,914
−HK$304/mo
Today · 4.125%
HK$10,218
baseline
▲ 0.50% · 4.625%
HK$10,839
+HK$621/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$10,696
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,983
−HK$291/mo
Today · 4.125%
HK$11,274
baseline
▲ 0.50% · 4.625%
HK$11,869
+HK$595/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,548/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$11,217
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,566
−HK$355/mo
Today · 4.125%
HK$11,921
baseline
▲ 0.50% · 4.625%
HK$12,646
+HK$725/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$12,479
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,814
−HK$339/mo
Today · 4.125%
HK$13,153
baseline
▲ 0.50% · 4.625%
HK$13,847
+HK$694/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,306/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$14,422
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,871
−HK$456/mo
Today · 4.125%
HK$15,327
baseline
▲ 0.50% · 4.625%
HK$16,259
+HK$932/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,654/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,045
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,475
−HK$436/mo
Today · 4.125%
HK$16,911
baseline
▲ 0.50% · 4.625%
HK$17,803
+HK$892/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,822/mo (50% DSR)
Upfront cash ≈ HK$351K (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).