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$8,012
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,261
−HK$253/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$8,913
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,152
−HK$243/mo
Today · 4.125%
HK$9,395
baseline
▲ 0.50% · 4.625%
HK$9,890
+HK$495/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,790/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$603/mo
▼ 0.25% · 3.875%
HK$9,913
−HK$304/mo
Today · 4.125%
HK$10,217
baseline
▲ 0.50% · 4.625%
HK$10,839
+HK$622/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,434/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$10,696
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,983
−HK$291/mo
Today · 4.125%
HK$11,274
baseline
▲ 0.50% · 4.625%
HK$11,868
+HK$594/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,548/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$11,217
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,565
−HK$355/mo
Today · 4.125%
HK$11,920
baseline
▲ 0.50% · 4.625%
HK$12,645
+HK$725/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,840/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$12,478
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,813
−HK$339/mo
Today · 4.125%
HK$13,152
baseline
▲ 0.50% · 4.625%
HK$13,846
+HK$694/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$14,421
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,870
−HK$456/mo
Today · 4.125%
HK$15,326
baseline
▲ 0.50% · 4.625%
HK$16,258
+HK$932/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,652/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$16,044
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,474
−HK$436/mo
Today · 4.125%
HK$16,910
baseline
▲ 0.50% · 4.625%
HK$17,802
+HK$892/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,820/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).