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$7,950
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,197
−HK$251/mo
Today · 4.125%
HK$8,448
baseline
▲ 0.50% · 4.625%
HK$8,963
+HK$515/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,896/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$8,844
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,081
−HK$241/mo
Today · 4.125%
HK$9,322
baseline
▲ 0.50% · 4.625%
HK$9,813
+HK$491/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,644/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$9,540
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,837
−HK$301/mo
Today · 4.125%
HK$10,138
baseline
▲ 0.50% · 4.625%
HK$10,755
+HK$617/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,276/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$10,613
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,898
−HK$288/mo
Today · 4.125%
HK$11,186
baseline
▲ 0.50% · 4.625%
HK$11,776
+HK$590/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,372/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$11,130
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,476
−HK$352/mo
Today · 4.125%
HK$11,828
baseline
▲ 0.50% · 4.625%
HK$12,548
+HK$720/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,656/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$12,382
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,714
−HK$337/mo
Today · 4.125%
HK$13,051
baseline
▲ 0.50% · 4.625%
HK$13,739
+HK$688/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,102/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$14,310
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,755
−HK$452/mo
Today · 4.125%
HK$15,207
baseline
▲ 0.50% · 4.625%
HK$16,133
+HK$926/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,414/mo (50% DSR)
Upfront cash ≈ HK$349K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,920
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,347
−HK$433/mo
Today · 4.125%
HK$16,780
baseline
▲ 0.50% · 4.625%
HK$17,664
+HK$884/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,560/mo (50% DSR)
Upfront cash ≈ HK$349K (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).