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$7,914
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,160
−HK$250/mo
Today · 4.125%
HK$8,410
baseline
▲ 0.50% · 4.625%
HK$8,922
+HK$512/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,820/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,804
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,040
−HK$240/mo
Today · 4.125%
HK$9,280
baseline
▲ 0.50% · 4.625%
HK$9,769
+HK$489/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,560/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,497
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,792
−HK$300/mo
Today · 4.125%
HK$10,092
baseline
▲ 0.50% · 4.625%
HK$10,706
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,184/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,565
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,848
−HK$288/mo
Today · 4.125%
HK$11,136
baseline
▲ 0.50% · 4.625%
HK$11,723
+HK$587/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,272/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,079
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,424
−HK$350/mo
Today · 4.125%
HK$11,774
baseline
▲ 0.50% · 4.625%
HK$12,491
+HK$717/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,548/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,326
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,656
−HK$336/mo
Today · 4.125%
HK$12,992
baseline
▲ 0.50% · 4.625%
HK$13,677
+HK$685/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,984/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,245
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,688
−HK$450/mo
Today · 4.125%
HK$15,138
baseline
▲ 0.50% · 4.625%
HK$16,059
+HK$921/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,276/mo (50% DSR)
Upfront cash ≈ HK$347K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,847
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,272
−HK$432/mo
Today · 4.125%
HK$16,704
baseline
▲ 0.50% · 4.625%
HK$17,584
+HK$880/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,408/mo (50% DSR)
Upfront cash ≈ HK$347K (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).