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$8,039
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,289
−HK$254/mo
Today · 4.125%
HK$8,543
baseline
▲ 0.50% · 4.625%
HK$9,062
+HK$519/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,086/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$8,943
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,183
−HK$243/mo
Today · 4.125%
HK$9,426
baseline
▲ 0.50% · 4.625%
HK$9,923
+HK$497/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,852/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$9,646
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,946
−HK$305/mo
Today · 4.125%
HK$10,251
baseline
▲ 0.50% · 4.625%
HK$10,875
+HK$624/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,502/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$10,731
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,019
−HK$292/mo
Today · 4.125%
HK$11,311
baseline
▲ 0.50% · 4.625%
HK$11,907
+HK$596/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,622/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$11,254
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,604
−HK$356/mo
Today · 4.125%
HK$11,960
baseline
▲ 0.50% · 4.625%
HK$12,687
+HK$727/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,920/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$12,520
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,856
−HK$340/mo
Today · 4.125%
HK$13,196
baseline
▲ 0.50% · 4.625%
HK$13,892
+HK$696/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,392/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$14,469
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,920
−HK$457/mo
Today · 4.125%
HK$15,377
baseline
▲ 0.50% · 4.625%
HK$16,312
+HK$935/mo
Deposit HK$353K · loan HK$3.17M · min. income ≈ HK$30,754/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$16,097
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,529
−HK$438/mo
Today · 4.125%
HK$16,967
baseline
▲ 0.50% · 4.625%
HK$17,861
+HK$894/mo
Deposit HK$353K · loan HK$3.17M · min. income ≈ HK$33,934/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).