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$8,027
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,277
−HK$253/mo
Today · 4.125%
HK$8,530
baseline
▲ 0.50% · 4.625%
HK$9,049
+HK$519/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,060/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$8,930
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,169
−HK$243/mo
Today · 4.125%
HK$9,412
baseline
▲ 0.50% · 4.625%
HK$9,908
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,824/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$9,632
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,932
−HK$304/mo
Today · 4.125%
HK$10,236
baseline
▲ 0.50% · 4.625%
HK$10,859
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,472/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$10,716
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,003
−HK$292/mo
Today · 4.125%
HK$11,295
baseline
▲ 0.50% · 4.625%
HK$11,890
+HK$595/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,590/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$11,238
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,587
−HK$355/mo
Today · 4.125%
HK$11,942
baseline
▲ 0.50% · 4.625%
HK$12,669
+HK$727/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$23,884/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$12,502
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,837
−HK$340/mo
Today · 4.125%
HK$13,177
baseline
▲ 0.50% · 4.625%
HK$13,872
+HK$695/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$26,354/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$14,448
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,898
−HK$456/mo
Today · 4.125%
HK$15,354
baseline
▲ 0.50% · 4.625%
HK$16,289
+HK$935/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,708/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$16,074
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,505
−HK$437/mo
Today · 4.125%
HK$16,942
baseline
▲ 0.50% · 4.625%
HK$17,835
+HK$893/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,884/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).