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$8,041
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,291
−HK$254/mo
Today · 4.125%
HK$8,545
baseline
▲ 0.50% · 4.625%
HK$9,065
+HK$520/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,090/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$8,945
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,185
−HK$244/mo
Today · 4.125%
HK$9,429
baseline
▲ 0.50% · 4.625%
HK$9,926
+HK$497/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,858/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$9,649
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,949
−HK$305/mo
Today · 4.125%
HK$10,254
baseline
▲ 0.50% · 4.625%
HK$10,878
+HK$624/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,508/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$10,734
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,022
−HK$292/mo
Today · 4.125%
HK$11,314
baseline
▲ 0.50% · 4.625%
HK$11,911
+HK$597/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,628/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$11,257
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,607
−HK$356/mo
Today · 4.125%
HK$11,963
baseline
▲ 0.50% · 4.625%
HK$12,691
+HK$728/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,926/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$12,524
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,859
−HK$341/mo
Today · 4.125%
HK$13,200
baseline
▲ 0.50% · 4.625%
HK$13,896
+HK$696/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,400/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$14,474
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,924
−HK$457/mo
Today · 4.125%
HK$15,381
baseline
▲ 0.50% · 4.625%
HK$16,317
+HK$936/mo
Deposit HK$353K · loan HK$3.17M · min. income ≈ HK$30,762/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$16,102
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,534
−HK$438/mo
Today · 4.125%
HK$16,972
baseline
▲ 0.50% · 4.625%
HK$17,866
+HK$894/mo
Deposit HK$353K · loan HK$3.17M · min. income ≈ HK$33,944/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).