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$8,011
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,260
−HK$254/mo
Today · 4.125%
HK$8,514
baseline
▲ 0.50% · 4.625%
HK$9,032
+HK$518/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,028/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$8,912
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,151
−HK$243/mo
Today · 4.125%
HK$9,394
baseline
▲ 0.50% · 4.625%
HK$9,889
+HK$495/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,788/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$9,614
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,913
−HK$303/mo
Today · 4.125%
HK$10,216
baseline
▲ 0.50% · 4.625%
HK$10,838
+HK$622/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,432/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$10,695
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,982
−HK$291/mo
Today · 4.125%
HK$11,273
baseline
▲ 0.50% · 4.625%
HK$11,867
+HK$594/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,546/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$11,216
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,565
−HK$354/mo
Today · 4.125%
HK$11,919
baseline
▲ 0.50% · 4.625%
HK$12,644
+HK$725/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,838/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$12,477
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,812
−HK$340/mo
Today · 4.125%
HK$13,152
baseline
▲ 0.50% · 4.625%
HK$13,845
+HK$693/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,304/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$14,420
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,869
−HK$456/mo
Today · 4.125%
HK$15,325
baseline
▲ 0.50% · 4.625%
HK$16,257
+HK$932/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,650/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$16,042
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,473
−HK$436/mo
Today · 4.125%
HK$16,909
baseline
▲ 0.50% · 4.625%
HK$17,800
+HK$891/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,818/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).