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$7,918
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,164
−HK$251/mo
Today · 4.125%
HK$8,415
baseline
▲ 0.50% · 4.625%
HK$8,927
+HK$512/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,830/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$8,809
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,045
−HK$240/mo
Today · 4.125%
HK$9,285
baseline
▲ 0.50% · 4.625%
HK$9,774
+HK$489/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,570/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$9,502
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,797
−HK$301/mo
Today · 4.125%
HK$10,098
baseline
▲ 0.50% · 4.625%
HK$10,712
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,196/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$10,571
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,854
−HK$288/mo
Today · 4.125%
HK$11,142
baseline
▲ 0.50% · 4.625%
HK$11,729
+HK$587/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,284/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$11,085
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,430
−HK$351/mo
Today · 4.125%
HK$11,781
baseline
▲ 0.50% · 4.625%
HK$12,497
+HK$716/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,562/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$12,332
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,663
−HK$336/mo
Today · 4.125%
HK$12,999
baseline
▲ 0.50% · 4.625%
HK$13,684
+HK$685/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,998/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$14,253
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,696
−HK$450/mo
Today · 4.125%
HK$15,146
baseline
▲ 0.50% · 4.625%
HK$16,068
+HK$922/mo
Deposit HK$347K · loan HK$3.13M · min. income ≈ HK$30,292/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$15,856
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,281
−HK$432/mo
Today · 4.125%
HK$16,713
baseline
▲ 0.50% · 4.625%
HK$17,594
+HK$881/mo
Deposit HK$347K · loan HK$3.13M · min. income ≈ HK$33,426/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).