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$7,947
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,195
−HK$251/mo
Today · 4.125%
HK$8,446
baseline
▲ 0.50% · 4.625%
HK$8,960
+HK$514/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,892/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$8,842
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,079
−HK$240/mo
Today · 4.125%
HK$9,319
baseline
▲ 0.50% · 4.625%
HK$9,810
+HK$491/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,638/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$9,537
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,834
−HK$301/mo
Today · 4.125%
HK$10,135
baseline
▲ 0.50% · 4.625%
HK$10,752
+HK$617/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,270/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$10,610
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,894
−HK$289/mo
Today · 4.125%
HK$11,183
baseline
▲ 0.50% · 4.625%
HK$11,773
+HK$590/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,366/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$11,126
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,473
−HK$351/mo
Today · 4.125%
HK$11,824
baseline
▲ 0.50% · 4.625%
HK$12,544
+HK$720/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,648/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$12,378
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,710
−HK$337/mo
Today · 4.125%
HK$13,047
baseline
▲ 0.50% · 4.625%
HK$13,735
+HK$688/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,094/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$14,305
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,750
−HK$453/mo
Today · 4.125%
HK$15,203
baseline
▲ 0.50% · 4.625%
HK$16,128
+HK$925/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,406/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$15,915
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,342
−HK$433/mo
Today · 4.125%
HK$16,775
baseline
▲ 0.50% · 4.625%
HK$17,659
+HK$884/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,550/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).