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$7,953
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,200
−HK$252/mo
Today · 4.125%
HK$8,452
baseline
▲ 0.50% · 4.625%
HK$8,966
+HK$514/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,904/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$8,848
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,085
−HK$241/mo
Today · 4.125%
HK$9,326
baseline
▲ 0.50% · 4.625%
HK$9,817
+HK$491/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,652/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$9,544
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,841
−HK$301/mo
Today · 4.125%
HK$10,142
baseline
▲ 0.50% · 4.625%
HK$10,759
+HK$617/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$20,284/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$10,617
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,902
−HK$289/mo
Today · 4.125%
HK$11,191
baseline
▲ 0.50% · 4.625%
HK$11,781
+HK$590/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$22,382/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$11,134
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,481
−HK$352/mo
Today · 4.125%
HK$11,833
baseline
▲ 0.50% · 4.625%
HK$12,553
+HK$720/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,666/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$12,387
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,719
−HK$337/mo
Today · 4.125%
HK$13,056
baseline
▲ 0.50% · 4.625%
HK$13,744
+HK$688/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,112/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$14,316
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,761
−HK$452/mo
Today · 4.125%
HK$15,213
baseline
▲ 0.50% · 4.625%
HK$16,139
+HK$926/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,426/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$15,926
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,353
−HK$433/mo
Today · 4.125%
HK$16,786
baseline
▲ 0.50% · 4.625%
HK$17,671
+HK$885/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,572/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).