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$8,017
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,267
−HK$253/mo
Today · 4.125%
HK$8,520
baseline
▲ 0.50% · 4.625%
HK$9,038
+HK$518/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,040/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$8,919
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,158
−HK$243/mo
Today · 4.125%
HK$9,401
baseline
▲ 0.50% · 4.625%
HK$9,896
+HK$495/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,802/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$9,621
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,920
−HK$304/mo
Today · 4.125%
HK$10,224
baseline
▲ 0.50% · 4.625%
HK$10,846
+HK$622/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,448/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$10,703
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,990
−HK$291/mo
Today · 4.125%
HK$11,281
baseline
▲ 0.50% · 4.625%
HK$11,876
+HK$595/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,562/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$11,224
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,573
−HK$355/mo
Today · 4.125%
HK$11,928
baseline
▲ 0.50% · 4.625%
HK$12,654
+HK$726/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,856/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$12,487
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,822
−HK$339/mo
Today · 4.125%
HK$13,161
baseline
▲ 0.50% · 4.625%
HK$13,855
+HK$694/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,322/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$14,431
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,880
−HK$456/mo
Today · 4.125%
HK$15,336
baseline
▲ 0.50% · 4.625%
HK$16,269
+HK$933/mo
Deposit HK$352K · loan HK$3.16M · min. income ≈ HK$30,672/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$16,054
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,485
−HK$437/mo
Today · 4.125%
HK$16,922
baseline
▲ 0.50% · 4.625%
HK$17,814
+HK$892/mo
Deposit HK$352K · loan HK$3.16M · min. income ≈ HK$33,844/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).