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$7,920
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,166
−HK$251/mo
Today · 4.125%
HK$8,417
baseline
▲ 0.50% · 4.625%
HK$8,929
+HK$512/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,834/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$8,811
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,047
−HK$240/mo
Today · 4.125%
HK$9,287
baseline
▲ 0.50% · 4.625%
HK$9,776
+HK$489/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,574/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$9,504
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,800
−HK$300/mo
Today · 4.125%
HK$10,100
baseline
▲ 0.50% · 4.625%
HK$10,714
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,200/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$10,573
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,857
−HK$287/mo
Today · 4.125%
HK$11,144
baseline
▲ 0.50% · 4.625%
HK$11,732
+HK$588/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,288/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$11,088
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,433
−HK$350/mo
Today · 4.125%
HK$11,783
baseline
▲ 0.50% · 4.625%
HK$12,500
+HK$717/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,566/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$12,335
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,666
−HK$336/mo
Today · 4.125%
HK$13,002
baseline
▲ 0.50% · 4.625%
HK$13,687
+HK$685/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$26,004/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$14,256
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,699
−HK$451/mo
Today · 4.125%
HK$15,150
baseline
▲ 0.50% · 4.625%
HK$16,072
+HK$922/mo
Deposit HK$347K · loan HK$3.13M · min. income ≈ HK$30,300/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$15,859
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,285
−HK$431/mo
Today · 4.125%
HK$16,716
baseline
▲ 0.50% · 4.625%
HK$17,597
+HK$881/mo
Deposit HK$347K · loan HK$3.13M · min. income ≈ HK$33,432/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).