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$7,915
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,161
−HK$250/mo
Today · 4.125%
HK$8,411
baseline
▲ 0.50% · 4.625%
HK$8,923
+HK$512/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,822/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$8,805
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,042
−HK$239/mo
Today · 4.125%
HK$9,281
baseline
▲ 0.50% · 4.625%
HK$9,770
+HK$489/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,562/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$9,498
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,794
−HK$300/mo
Today · 4.125%
HK$10,094
baseline
▲ 0.50% · 4.625%
HK$10,708
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,188/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$10,567
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,850
−HK$287/mo
Today · 4.125%
HK$11,137
baseline
▲ 0.50% · 4.625%
HK$11,724
+HK$587/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,274/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$11,081
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,426
−HK$350/mo
Today · 4.125%
HK$11,776
baseline
▲ 0.50% · 4.625%
HK$12,493
+HK$717/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,552/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$12,328
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,658
−HK$336/mo
Today · 4.125%
HK$12,994
baseline
▲ 0.50% · 4.625%
HK$13,679
+HK$685/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,988/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$14,247
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,690
−HK$451/mo
Today · 4.125%
HK$15,141
baseline
▲ 0.50% · 4.625%
HK$16,062
+HK$921/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,282/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$15,850
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,275
−HK$431/mo
Today · 4.125%
HK$16,706
baseline
▲ 0.50% · 4.625%
HK$17,587
+HK$881/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,412/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).