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$7,937
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,184
−HK$251/mo
Today · 4.125%
HK$8,435
baseline
▲ 0.50% · 4.625%
HK$8,948
+HK$513/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$8,830
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,067
−HK$240/mo
Today · 4.125%
HK$9,307
baseline
▲ 0.50% · 4.625%
HK$9,797
+HK$490/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,614/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$9,524
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,821
−HK$301/mo
Today · 4.125%
HK$10,122
baseline
▲ 0.50% · 4.625%
HK$10,738
+HK$616/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,244/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$10,596
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,880
−HK$288/mo
Today · 4.125%
HK$11,168
baseline
▲ 0.50% · 4.625%
HK$11,757
+HK$589/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,336/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$11,112
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,457
−HK$352/mo
Today · 4.125%
HK$11,809
baseline
▲ 0.50% · 4.625%
HK$12,527
+HK$718/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$23,618/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$12,362
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,693
−HK$337/mo
Today · 4.125%
HK$13,030
baseline
▲ 0.50% · 4.625%
HK$13,716
+HK$686/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$26,060/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$14,287
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,731
−HK$451/mo
Today · 4.125%
HK$15,182
baseline
▲ 0.50% · 4.625%
HK$16,106
+HK$924/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,364/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$15,894
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,320
−HK$432/mo
Today · 4.125%
HK$16,752
baseline
▲ 0.50% · 4.625%
HK$17,635
+HK$883/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,504/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).