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$8,022
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,271
−HK$254/mo
Today · 4.125%
HK$8,525
baseline
▲ 0.50% · 4.625%
HK$9,043
+HK$518/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,050/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$8,924
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,163
−HK$243/mo
Today · 4.125%
HK$9,406
baseline
▲ 0.50% · 4.625%
HK$9,902
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,812/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$9,626
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,925
−HK$304/mo
Today · 4.125%
HK$10,229
baseline
▲ 0.50% · 4.625%
HK$10,852
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,458/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$10,709
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,996
−HK$291/mo
Today · 4.125%
HK$11,287
baseline
▲ 0.50% · 4.625%
HK$11,882
+HK$595/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,574/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$11,230
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,579
−HK$355/mo
Today · 4.125%
HK$11,934
baseline
▲ 0.50% · 4.625%
HK$12,661
+HK$727/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$23,868/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$12,493
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,828
−HK$340/mo
Today · 4.125%
HK$13,168
baseline
▲ 0.50% · 4.625%
HK$13,863
+HK$695/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$26,336/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$14,439
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,888
−HK$456/mo
Today · 4.125%
HK$15,344
baseline
▲ 0.50% · 4.625%
HK$16,278
+HK$934/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,688/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$16,063
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,494
−HK$437/mo
Today · 4.125%
HK$16,931
baseline
▲ 0.50% · 4.625%
HK$17,823
+HK$892/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,862/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).