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$8,047
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,298
−HK$254/mo
Today · 4.125%
HK$8,552
baseline
▲ 0.50% · 4.625%
HK$9,072
+HK$520/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,104/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$8,952
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,193
−HK$243/mo
Today · 4.125%
HK$9,436
baseline
▲ 0.50% · 4.625%
HK$9,934
+HK$498/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,872/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$9,657
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,957
−HK$305/mo
Today · 4.125%
HK$10,262
baseline
▲ 0.50% · 4.625%
HK$10,887
+HK$625/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,524/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$10,743
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,031
−HK$292/mo
Today · 4.125%
HK$11,323
baseline
▲ 0.50% · 4.625%
HK$11,920
+HK$597/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,646/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$11,266
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,617
−HK$356/mo
Today · 4.125%
HK$11,973
baseline
▲ 0.50% · 4.625%
HK$12,701
+HK$728/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,946/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$12,533
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,870
−HK$341/mo
Today · 4.125%
HK$13,211
baseline
▲ 0.50% · 4.625%
HK$13,907
+HK$696/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,422/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$14,485
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,936
−HK$457/mo
Today · 4.125%
HK$15,393
baseline
▲ 0.50% · 4.625%
HK$16,330
+HK$937/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,786/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$16,114
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,547
−HK$438/mo
Today · 4.125%
HK$16,985
baseline
▲ 0.50% · 4.625%
HK$17,880
+HK$895/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$33,970/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).