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$8,044
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,294
−HK$254/mo
Today · 4.125%
HK$8,548
baseline
▲ 0.50% · 4.625%
HK$9,068
+HK$520/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,096/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$8,948
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,188
−HK$244/mo
Today · 4.125%
HK$9,432
baseline
▲ 0.50% · 4.625%
HK$9,929
+HK$497/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,864/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$9,652
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,953
−HK$305/mo
Today · 4.125%
HK$10,258
baseline
▲ 0.50% · 4.625%
HK$10,882
+HK$624/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,516/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$10,738
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,026
−HK$292/mo
Today · 4.125%
HK$11,318
baseline
▲ 0.50% · 4.625%
HK$11,915
+HK$597/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,636/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$11,261
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,611
−HK$356/mo
Today · 4.125%
HK$11,967
baseline
▲ 0.50% · 4.625%
HK$12,695
+HK$728/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,934/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$12,528
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,864
−HK$341/mo
Today · 4.125%
HK$13,205
baseline
▲ 0.50% · 4.625%
HK$13,901
+HK$696/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,410/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$14,478
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,929
−HK$457/mo
Today · 4.125%
HK$15,386
baseline
▲ 0.50% · 4.625%
HK$16,323
+HK$937/mo
Deposit HK$353K · loan HK$3.17M · min. income ≈ HK$30,772/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$16,107
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,539
−HK$438/mo
Today · 4.125%
HK$16,977
baseline
▲ 0.50% · 4.625%
HK$17,872
+HK$895/mo
Deposit HK$353K · loan HK$3.17M · min. income ≈ HK$33,954/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).