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$8,010
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,259
−HK$253/mo
Today · 4.125%
HK$8,512
baseline
▲ 0.50% · 4.625%
HK$9,030
+HK$518/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,024/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$8,911
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,150
−HK$242/mo
Today · 4.125%
HK$9,392
baseline
▲ 0.50% · 4.625%
HK$9,888
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,784/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$9,612
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,911
−HK$304/mo
Today · 4.125%
HK$10,215
baseline
▲ 0.50% · 4.625%
HK$10,836
+HK$621/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,430/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$10,693
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,980
−HK$291/mo
Today · 4.125%
HK$11,271
baseline
▲ 0.50% · 4.625%
HK$11,865
+HK$594/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,542/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$11,214
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,563
−HK$354/mo
Today · 4.125%
HK$11,917
baseline
▲ 0.50% · 4.625%
HK$12,642
+HK$725/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,834/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$12,475
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,810
−HK$339/mo
Today · 4.125%
HK$13,149
baseline
▲ 0.50% · 4.625%
HK$13,843
+HK$694/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,298/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$14,418
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,866
−HK$456/mo
Today · 4.125%
HK$15,322
baseline
▲ 0.50% · 4.625%
HK$16,254
+HK$932/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,644/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$16,040
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,470
−HK$436/mo
Today · 4.125%
HK$16,906
baseline
▲ 0.50% · 4.625%
HK$17,798
+HK$892/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,812/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).