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$498/mo
▼ 0.25% · 3.875%
HK$8,179
−HK$251/mo
Today · 4.125%
HK$8,430
baseline
▲ 0.50% · 4.625%
HK$8,943
+HK$513/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,860/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$8,825
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,061
−HK$241/mo
Today · 4.125%
HK$9,302
baseline
▲ 0.50% · 4.625%
HK$9,792
+HK$490/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,604/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$9,519
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,815
−HK$301/mo
Today · 4.125%
HK$10,116
baseline
▲ 0.50% · 4.625%
HK$10,731
+HK$615/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,232/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$10,590
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,874
−HK$288/mo
Today · 4.125%
HK$11,162
baseline
▲ 0.50% · 4.625%
HK$11,750
+HK$588/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,324/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$11,105
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,451
−HK$351/mo
Today · 4.125%
HK$11,802
baseline
▲ 0.50% · 4.625%
HK$12,520
+HK$718/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$23,604/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$12,355
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,686
−HK$336/mo
Today · 4.125%
HK$13,022
baseline
▲ 0.50% · 4.625%
HK$13,709
+HK$687/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$26,044/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$14,278
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,723
−HK$451/mo
Today · 4.125%
HK$15,174
baseline
▲ 0.50% · 4.625%
HK$16,097
+HK$923/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,348/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$15,885
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,311
−HK$432/mo
Today · 4.125%
HK$16,743
baseline
▲ 0.50% · 4.625%
HK$17,625
+HK$882/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,486/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).