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$7,946
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,193
−HK$252/mo
Today · 4.125%
HK$8,445
baseline
▲ 0.50% · 4.625%
HK$8,958
+HK$513/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,890/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$8,840
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,077
−HK$241/mo
Today · 4.125%
HK$9,318
baseline
▲ 0.50% · 4.625%
HK$9,809
+HK$491/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,636/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$9,536
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,832
−HK$302/mo
Today · 4.125%
HK$10,134
baseline
▲ 0.50% · 4.625%
HK$10,750
+HK$616/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,268/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$10,608
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,893
−HK$288/mo
Today · 4.125%
HK$11,181
baseline
▲ 0.50% · 4.625%
HK$11,771
+HK$590/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,362/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$11,125
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,471
−HK$351/mo
Today · 4.125%
HK$11,822
baseline
▲ 0.50% · 4.625%
HK$12,542
+HK$720/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,644/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$12,376
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,708
−HK$337/mo
Today · 4.125%
HK$13,045
baseline
▲ 0.50% · 4.625%
HK$13,733
+HK$688/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,090/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$14,303
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,748
−HK$452/mo
Today · 4.125%
HK$15,200
baseline
▲ 0.50% · 4.625%
HK$16,125
+HK$925/mo
Deposit HK$348K · loan HK$3.14M · min. income ≈ HK$30,400/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$15,912
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,339
−HK$433/mo
Today · 4.125%
HK$16,772
baseline
▲ 0.50% · 4.625%
HK$17,656
+HK$884/mo
Deposit HK$348K · loan HK$3.14M · min. income ≈ HK$33,544/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).