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$8,032
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,282
−HK$253/mo
Today · 4.125%
HK$8,535
baseline
▲ 0.50% · 4.625%
HK$9,055
+HK$520/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,070/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$8,935
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,175
−HK$243/mo
Today · 4.125%
HK$9,418
baseline
▲ 0.50% · 4.625%
HK$9,914
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,836/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$9,638
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,938
−HK$305/mo
Today · 4.125%
HK$10,243
baseline
▲ 0.50% · 4.625%
HK$10,866
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,486/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$10,722
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,010
−HK$292/mo
Today · 4.125%
HK$11,302
baseline
▲ 0.50% · 4.625%
HK$11,897
+HK$595/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,604/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$11,245
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,594
−HK$356/mo
Today · 4.125%
HK$11,950
baseline
▲ 0.50% · 4.625%
HK$12,677
+HK$727/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,900/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$12,509
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,845
−HK$340/mo
Today · 4.125%
HK$13,185
baseline
▲ 0.50% · 4.625%
HK$13,880
+HK$695/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,370/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$14,457
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,907
−HK$457/mo
Today · 4.125%
HK$15,364
baseline
▲ 0.50% · 4.625%
HK$16,299
+HK$935/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,728/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$16,084
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,515
−HK$437/mo
Today · 4.125%
HK$16,952
baseline
▲ 0.50% · 4.625%
HK$17,846
+HK$894/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,904/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).