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$7,919
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,165
−HK$250/mo
Today · 4.125%
HK$8,415
baseline
▲ 0.50% · 4.625%
HK$8,927
+HK$512/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,830/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$8,810
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,046
−HK$240/mo
Today · 4.125%
HK$9,286
baseline
▲ 0.50% · 4.625%
HK$9,775
+HK$489/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,572/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$9,503
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,798
−HK$301/mo
Today · 4.125%
HK$10,099
baseline
▲ 0.50% · 4.625%
HK$10,713
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,198/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$10,572
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,855
−HK$288/mo
Today · 4.125%
HK$11,143
baseline
▲ 0.50% · 4.625%
HK$11,730
+HK$587/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,286/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$11,086
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,431
−HK$351/mo
Today · 4.125%
HK$11,782
baseline
▲ 0.50% · 4.625%
HK$12,498
+HK$716/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,564/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$12,333
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,664
−HK$336/mo
Today · 4.125%
HK$13,000
baseline
▲ 0.50% · 4.625%
HK$13,685
+HK$685/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$26,000/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$14,254
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,697
−HK$451/mo
Today · 4.125%
HK$15,148
baseline
▲ 0.50% · 4.625%
HK$16,069
+HK$921/mo
Deposit HK$347K · loan HK$3.13M · min. income ≈ HK$30,296/mo (50% DSR)
Upfront cash ≈ HK$347K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,857
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,283
−HK$431/mo
Today · 4.125%
HK$16,714
baseline
▲ 0.50% · 4.625%
HK$17,595
+HK$881/mo
Deposit HK$347K · loan HK$3.13M · min. income ≈ HK$33,428/mo (50% DSR)
Upfront cash ≈ HK$347K (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).