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$7,921
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,167
−HK$251/mo
Today · 4.125%
HK$8,418
baseline
▲ 0.50% · 4.625%
HK$8,930
+HK$512/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,836/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$8,812
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,048
−HK$240/mo
Today · 4.125%
HK$9,288
baseline
▲ 0.50% · 4.625%
HK$9,778
+HK$490/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,576/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$9,505
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,801
−HK$300/mo
Today · 4.125%
HK$10,101
baseline
▲ 0.50% · 4.625%
HK$10,716
+HK$615/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,202/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$10,574
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,858
−HK$288/mo
Today · 4.125%
HK$11,146
baseline
▲ 0.50% · 4.625%
HK$11,733
+HK$587/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,292/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$11,089
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,434
−HK$351/mo
Today · 4.125%
HK$11,785
baseline
▲ 0.50% · 4.625%
HK$12,502
+HK$717/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,570/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$12,337
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,667
−HK$336/mo
Today · 4.125%
HK$13,003
baseline
▲ 0.50% · 4.625%
HK$13,689
+HK$686/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$26,006/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$14,258
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,701
−HK$451/mo
Today · 4.125%
HK$15,152
baseline
▲ 0.50% · 4.625%
HK$16,074
+HK$922/mo
Deposit HK$347K · loan HK$3.13M · min. income ≈ HK$30,304/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$15,861
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,287
−HK$431/mo
Today · 4.125%
HK$16,718
baseline
▲ 0.50% · 4.625%
HK$17,600
+HK$882/mo
Deposit HK$347K · loan HK$3.13M · min. income ≈ HK$33,436/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).