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$7,951
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,198
−HK$251/mo
Today · 4.125%
HK$8,449
baseline
▲ 0.50% · 4.625%
HK$8,964
+HK$515/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,898/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$8,845
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,082
−HK$241/mo
Today · 4.125%
HK$9,323
baseline
▲ 0.50% · 4.625%
HK$9,815
+HK$492/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,646/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$9,541
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,838
−HK$301/mo
Today · 4.125%
HK$10,139
baseline
▲ 0.50% · 4.625%
HK$10,756
+HK$617/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,278/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$10,614
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,899
−HK$289/mo
Today · 4.125%
HK$11,188
baseline
▲ 0.50% · 4.625%
HK$11,777
+HK$589/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,376/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$11,131
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,477
−HK$352/mo
Today · 4.125%
HK$11,829
baseline
▲ 0.50% · 4.625%
HK$12,549
+HK$720/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,658/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$12,383
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,715
−HK$337/mo
Today · 4.125%
HK$13,052
baseline
▲ 0.50% · 4.625%
HK$13,740
+HK$688/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,104/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$14,311
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,757
−HK$452/mo
Today · 4.125%
HK$15,209
baseline
▲ 0.50% · 4.625%
HK$16,134
+HK$925/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,418/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$15,921
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,348
−HK$434/mo
Today · 4.125%
HK$16,782
baseline
▲ 0.50% · 4.625%
HK$17,666
+HK$884/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,564/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).