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$8,048
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,298
−HK$255/mo
Today · 4.125%
HK$8,553
baseline
▲ 0.50% · 4.625%
HK$9,073
+HK$520/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,106/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$8,953
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,193
−HK$244/mo
Today · 4.125%
HK$9,437
baseline
▲ 0.50% · 4.625%
HK$9,934
+HK$497/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,874/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$9,658
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,958
−HK$305/mo
Today · 4.125%
HK$10,263
baseline
▲ 0.50% · 4.625%
HK$10,888
+HK$625/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,526/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$10,744
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,032
−HK$292/mo
Today · 4.125%
HK$11,324
baseline
▲ 0.50% · 4.625%
HK$11,921
+HK$597/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,648/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$11,267
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,618
−HK$356/mo
Today · 4.125%
HK$11,974
baseline
▲ 0.50% · 4.625%
HK$12,702
+HK$728/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,948/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$12,535
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,871
−HK$341/mo
Today · 4.125%
HK$13,212
baseline
▲ 0.50% · 4.625%
HK$13,908
+HK$696/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,424/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$14,486
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,937
−HK$458/mo
Today · 4.125%
HK$15,395
baseline
▲ 0.50% · 4.625%
HK$16,332
+HK$937/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,790/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$16,116
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,548
−HK$439/mo
Today · 4.125%
HK$16,987
baseline
▲ 0.50% · 4.625%
HK$17,882
+HK$895/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$33,974/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).