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$7,943
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,190
−HK$251/mo
Today · 4.125%
HK$8,441
baseline
▲ 0.50% · 4.625%
HK$8,954
+HK$513/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,882/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$8,836
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,073
−HK$241/mo
Today · 4.125%
HK$9,314
baseline
▲ 0.50% · 4.625%
HK$9,805
+HK$491/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,628/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$9,531
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,828
−HK$301/mo
Today · 4.125%
HK$10,129
baseline
▲ 0.50% · 4.625%
HK$10,745
+HK$616/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,258/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$10,604
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,888
−HK$288/mo
Today · 4.125%
HK$11,176
baseline
▲ 0.50% · 4.625%
HK$11,766
+HK$590/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,352/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$11,120
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,466
−HK$351/mo
Today · 4.125%
HK$11,817
baseline
▲ 0.50% · 4.625%
HK$12,536
+HK$719/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$23,634/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$12,371
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,703
−HK$336/mo
Today · 4.125%
HK$13,039
baseline
▲ 0.50% · 4.625%
HK$13,726
+HK$687/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$26,078/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$14,297
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,742
−HK$452/mo
Today · 4.125%
HK$15,194
baseline
▲ 0.50% · 4.625%
HK$16,118
+HK$924/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,388/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$15,905
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,332
−HK$433/mo
Today · 4.125%
HK$16,765
baseline
▲ 0.50% · 4.625%
HK$17,648
+HK$883/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,530/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).