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$7,932
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,179
−HK$250/mo
Today · 4.125%
HK$8,429
baseline
▲ 0.50% · 4.625%
HK$8,942
+HK$513/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,858/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$8,824
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,061
−HK$240/mo
Today · 4.125%
HK$9,301
baseline
▲ 0.50% · 4.625%
HK$9,791
+HK$490/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,602/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$9,518
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,814
−HK$301/mo
Today · 4.125%
HK$10,115
baseline
▲ 0.50% · 4.625%
HK$10,730
+HK$615/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,230/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$10,589
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,873
−HK$288/mo
Today · 4.125%
HK$11,161
baseline
▲ 0.50% · 4.625%
HK$11,749
+HK$588/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,322/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$11,104
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,450
−HK$351/mo
Today · 4.125%
HK$11,801
baseline
▲ 0.50% · 4.625%
HK$12,519
+HK$718/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,602/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$12,354
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,685
−HK$336/mo
Today · 4.125%
HK$13,021
baseline
▲ 0.50% · 4.625%
HK$13,707
+HK$686/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$26,042/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$14,277
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,721
−HK$452/mo
Today · 4.125%
HK$15,173
baseline
▲ 0.50% · 4.625%
HK$16,096
+HK$923/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,346/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$15,883
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,309
−HK$432/mo
Today · 4.125%
HK$16,741
baseline
▲ 0.50% · 4.625%
HK$17,624
+HK$883/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,482/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).