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$7,938
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,185
−HK$250/mo
Today · 4.125%
HK$8,435
baseline
▲ 0.50% · 4.625%
HK$8,949
+HK$514/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,870/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$8,831
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,067
−HK$241/mo
Today · 4.125%
HK$9,308
baseline
▲ 0.50% · 4.625%
HK$9,798
+HK$490/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,616/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$9,525
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,821
−HK$302/mo
Today · 4.125%
HK$10,123
baseline
▲ 0.50% · 4.625%
HK$10,738
+HK$615/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,246/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$10,597
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,881
−HK$288/mo
Today · 4.125%
HK$11,169
baseline
▲ 0.50% · 4.625%
HK$11,758
+HK$589/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,338/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$11,113
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,458
−HK$352/mo
Today · 4.125%
HK$11,810
baseline
▲ 0.50% · 4.625%
HK$12,528
+HK$718/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$23,620/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$12,363
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,694
−HK$337/mo
Today · 4.125%
HK$13,031
baseline
▲ 0.50% · 4.625%
HK$13,718
+HK$687/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$26,062/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$14,288
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,732
−HK$452/mo
Today · 4.125%
HK$15,184
baseline
▲ 0.50% · 4.625%
HK$16,108
+HK$924/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,368/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$15,895
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,321
−HK$433/mo
Today · 4.125%
HK$16,754
baseline
▲ 0.50% · 4.625%
HK$17,637
+HK$883/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,508/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).