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$8,006
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,255
−HK$253/mo
Today · 4.125%
HK$8,508
baseline
▲ 0.50% · 4.625%
HK$9,025
+HK$517/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,016/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$8,906
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,145
−HK$242/mo
Today · 4.125%
HK$9,387
baseline
▲ 0.50% · 4.625%
HK$9,882
+HK$495/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,774/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$9,607
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,905
−HK$304/mo
Today · 4.125%
HK$10,209
baseline
▲ 0.50% · 4.625%
HK$10,830
+HK$621/mo
Deposit HK$1.40M · loan HK$2.11M · min. income ≈ HK$20,418/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,687
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,974
−HK$291/mo
Today · 4.125%
HK$11,265
baseline
▲ 0.50% · 4.625%
HK$11,859
+HK$594/mo
Deposit HK$1.40M · loan HK$2.11M · min. income ≈ HK$22,530/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,208
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,556
−HK$355/mo
Today · 4.125%
HK$11,911
baseline
▲ 0.50% · 4.625%
HK$12,635
+HK$724/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,822/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,469
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,803
−HK$339/mo
Today · 4.125%
HK$13,142
baseline
▲ 0.50% · 4.625%
HK$13,835
+HK$693/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,284/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,410
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,858
−HK$456/mo
Today · 4.125%
HK$15,314
baseline
▲ 0.50% · 4.625%
HK$16,245
+HK$931/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,628/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,031
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,461
−HK$436/mo
Today · 4.125%
HK$16,897
baseline
▲ 0.50% · 4.625%
HK$17,788
+HK$891/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,794/mo (50% DSR)
Upfront cash ≈ HK$351K (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).