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$7,958
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,206
−HK$251/mo
Today · 4.125%
HK$8,457
baseline
▲ 0.50% · 4.625%
HK$8,972
+HK$515/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,914/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,853
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,091
−HK$240/mo
Today · 4.125%
HK$9,331
baseline
▲ 0.50% · 4.625%
HK$9,823
+HK$492/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,662/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,550
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,847
−HK$301/mo
Today · 4.125%
HK$10,148
baseline
▲ 0.50% · 4.625%
HK$10,766
+HK$618/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$20,296/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,624
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,909
−HK$289/mo
Today · 4.125%
HK$11,198
baseline
▲ 0.50% · 4.625%
HK$11,788
+HK$590/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$22,396/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,141
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,488
−HK$352/mo
Today · 4.125%
HK$11,840
baseline
▲ 0.50% · 4.625%
HK$12,560
+HK$720/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,680/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,394
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,727
−HK$337/mo
Today · 4.125%
HK$13,064
baseline
▲ 0.50% · 4.625%
HK$13,753
+HK$689/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,128/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,324
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,770
−HK$453/mo
Today · 4.125%
HK$15,223
baseline
▲ 0.50% · 4.625%
HK$16,149
+HK$926/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,446/mo (50% DSR)
Upfront cash ≈ HK$349K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,936
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,363
−HK$434/mo
Today · 4.125%
HK$16,797
baseline
▲ 0.50% · 4.625%
HK$17,682
+HK$885/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,594/mo (50% DSR)
Upfront cash ≈ HK$349K (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).