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$7,936
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,183
−HK$251/mo
Today · 4.125%
HK$8,434
baseline
▲ 0.50% · 4.625%
HK$8,947
+HK$513/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,868/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$8,829
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,066
−HK$240/mo
Today · 4.125%
HK$9,306
baseline
▲ 0.50% · 4.625%
HK$9,796
+HK$490/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,612/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$9,523
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,819
−HK$301/mo
Today · 4.125%
HK$10,120
baseline
▲ 0.50% · 4.625%
HK$10,736
+HK$616/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,240/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$10,595
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,879
−HK$288/mo
Today · 4.125%
HK$11,167
baseline
▲ 0.50% · 4.625%
HK$11,756
+HK$589/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,334/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$11,110
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,456
−HK$351/mo
Today · 4.125%
HK$11,807
baseline
▲ 0.50% · 4.625%
HK$12,526
+HK$719/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$23,614/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$12,360
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,692
−HK$336/mo
Today · 4.125%
HK$13,028
baseline
▲ 0.50% · 4.625%
HK$13,715
+HK$687/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$26,056/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$14,285
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,729
−HK$452/mo
Today · 4.125%
HK$15,181
baseline
▲ 0.50% · 4.625%
HK$16,104
+HK$923/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,362/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$15,892
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,318
−HK$432/mo
Today · 4.125%
HK$16,750
baseline
▲ 0.50% · 4.625%
HK$17,633
+HK$883/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,500/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).