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$7,930
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,176
−HK$251/mo
Today · 4.125%
HK$8,427
baseline
▲ 0.50% · 4.625%
HK$8,940
+HK$513/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,854/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$8,822
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,058
−HK$240/mo
Today · 4.125%
HK$9,298
baseline
▲ 0.50% · 4.625%
HK$9,789
+HK$491/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,596/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$9,516
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,812
−HK$300/mo
Today · 4.125%
HK$10,112
baseline
▲ 0.50% · 4.625%
HK$10,728
+HK$616/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,224/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$10,586
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,870
−HK$288/mo
Today · 4.125%
HK$11,158
baseline
▲ 0.50% · 4.625%
HK$11,746
+HK$588/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,316/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$11,102
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,447
−HK$351/mo
Today · 4.125%
HK$11,798
baseline
▲ 0.50% · 4.625%
HK$12,516
+HK$718/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,596/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$12,351
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,682
−HK$336/mo
Today · 4.125%
HK$13,018
baseline
▲ 0.50% · 4.625%
HK$13,704
+HK$686/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$26,036/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$14,274
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,718
−HK$451/mo
Today · 4.125%
HK$15,169
baseline
▲ 0.50% · 4.625%
HK$16,092
+HK$923/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,338/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$15,879
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,305
−HK$432/mo
Today · 4.125%
HK$16,737
baseline
▲ 0.50% · 4.625%
HK$17,619
+HK$882/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,474/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).