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$7,935
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,182
−HK$250/mo
Today · 4.125%
HK$8,432
baseline
▲ 0.50% · 4.625%
HK$8,946
+HK$514/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,864/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$8,827
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,064
−HK$240/mo
Today · 4.125%
HK$9,304
baseline
▲ 0.50% · 4.625%
HK$9,795
+HK$491/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,608/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$9,522
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,818
−HK$301/mo
Today · 4.125%
HK$10,119
baseline
▲ 0.50% · 4.625%
HK$10,735
+HK$616/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,238/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$10,593
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,877
−HK$288/mo
Today · 4.125%
HK$11,165
baseline
▲ 0.50% · 4.625%
HK$11,754
+HK$589/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,330/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$11,109
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,454
−HK$351/mo
Today · 4.125%
HK$11,805
baseline
▲ 0.50% · 4.625%
HK$12,524
+HK$719/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$23,610/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$12,358
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,690
−HK$336/mo
Today · 4.125%
HK$13,026
baseline
▲ 0.50% · 4.625%
HK$13,713
+HK$687/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$26,052/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$14,283
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,727
−HK$451/mo
Today · 4.125%
HK$15,178
baseline
▲ 0.50% · 4.625%
HK$16,102
+HK$924/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,356/mo (50% DSR)
Upfront cash ≈ HK$348K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,889
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,316
−HK$432/mo
Today · 4.125%
HK$16,748
baseline
▲ 0.50% · 4.625%
HK$17,631
+HK$883/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,496/mo (50% DSR)
Upfront cash ≈ HK$348K (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).