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$7,913
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,159
−HK$250/mo
Today · 4.125%
HK$8,409
baseline
▲ 0.50% · 4.625%
HK$8,920
+HK$511/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,818/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$8,803
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,039
−HK$239/mo
Today · 4.125%
HK$9,278
baseline
▲ 0.50% · 4.625%
HK$9,767
+HK$489/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,556/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$9,495
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,790
−HK$300/mo
Today · 4.125%
HK$10,090
baseline
▲ 0.50% · 4.625%
HK$10,704
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,180/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$10,563
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,846
−HK$288/mo
Today · 4.125%
HK$11,134
baseline
▲ 0.50% · 4.625%
HK$11,721
+HK$587/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,268/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$11,078
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,422
−HK$350/mo
Today · 4.125%
HK$11,772
baseline
▲ 0.50% · 4.625%
HK$12,488
+HK$716/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,544/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$12,324
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,654
−HK$335/mo
Today · 4.125%
HK$12,989
baseline
▲ 0.50% · 4.625%
HK$13,674
+HK$685/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,978/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$14,243
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,686
−HK$450/mo
Today · 4.125%
HK$15,136
baseline
▲ 0.50% · 4.625%
HK$16,057
+HK$921/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,272/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$15,845
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,270
−HK$431/mo
Today · 4.125%
HK$16,701
baseline
▲ 0.50% · 4.625%
HK$17,581
+HK$880/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,402/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).