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$7,927
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,174
−HK$250/mo
Today · 4.125%
HK$8,424
baseline
▲ 0.50% · 4.625%
HK$8,937
+HK$513/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,848/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$8,819
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,055
−HK$240/mo
Today · 4.125%
HK$9,295
baseline
▲ 0.50% · 4.625%
HK$9,785
+HK$490/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,590/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$9,513
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,809
−HK$300/mo
Today · 4.125%
HK$10,109
baseline
▲ 0.50% · 4.625%
HK$10,724
+HK$615/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,218/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$10,583
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,867
−HK$287/mo
Today · 4.125%
HK$11,154
baseline
▲ 0.50% · 4.625%
HK$11,742
+HK$588/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,308/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$11,098
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,443
−HK$351/mo
Today · 4.125%
HK$11,794
baseline
▲ 0.50% · 4.625%
HK$12,512
+HK$718/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,588/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$12,347
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,678
−HK$336/mo
Today · 4.125%
HK$13,014
baseline
▲ 0.50% · 4.625%
HK$13,700
+HK$686/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$26,028/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$14,269
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,713
−HK$451/mo
Today · 4.125%
HK$15,164
baseline
▲ 0.50% · 4.625%
HK$16,086
+HK$922/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,328/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$15,874
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,300
−HK$432/mo
Today · 4.125%
HK$16,732
baseline
▲ 0.50% · 4.625%
HK$17,614
+HK$882/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,464/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).