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$7,941
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,188
−HK$251/mo
Today · 4.125%
HK$8,439
baseline
▲ 0.50% · 4.625%
HK$8,952
+HK$513/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,878/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$8,834
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,071
−HK$240/mo
Today · 4.125%
HK$9,311
baseline
▲ 0.50% · 4.625%
HK$9,802
+HK$491/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,622/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$9,529
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,825
−HK$302/mo
Today · 4.125%
HK$10,127
baseline
▲ 0.50% · 4.625%
HK$10,743
+HK$616/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,254/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$10,601
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,885
−HK$289/mo
Today · 4.125%
HK$11,174
baseline
▲ 0.50% · 4.625%
HK$11,763
+HK$589/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,348/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$11,117
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,463
−HK$351/mo
Today · 4.125%
HK$11,814
baseline
▲ 0.50% · 4.625%
HK$12,533
+HK$719/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$23,628/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$12,368
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,700
−HK$336/mo
Today · 4.125%
HK$13,036
baseline
▲ 0.50% · 4.625%
HK$13,723
+HK$687/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$26,072/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$14,294
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,738
−HK$452/mo
Today · 4.125%
HK$15,190
baseline
▲ 0.50% · 4.625%
HK$16,114
+HK$924/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,380/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$15,902
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,328
−HK$433/mo
Today · 4.125%
HK$16,761
baseline
▲ 0.50% · 4.625%
HK$17,644
+HK$883/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,522/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).