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$7,920
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,166
−HK$250/mo
Today · 4.125%
HK$8,416
baseline
▲ 0.50% · 4.625%
HK$8,928
+HK$512/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,832/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$8,810
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,047
−HK$239/mo
Today · 4.125%
HK$9,286
baseline
▲ 0.50% · 4.625%
HK$9,776
+HK$490/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,572/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$9,503
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,799
−HK$300/mo
Today · 4.125%
HK$10,099
baseline
▲ 0.50% · 4.625%
HK$10,714
+HK$615/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,198/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$10,572
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,856
−HK$288/mo
Today · 4.125%
HK$11,144
baseline
▲ 0.50% · 4.625%
HK$11,731
+HK$587/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,288/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$11,087
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,432
−HK$351/mo
Today · 4.125%
HK$11,783
baseline
▲ 0.50% · 4.625%
HK$12,500
+HK$717/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,566/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$12,335
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,665
−HK$336/mo
Today · 4.125%
HK$13,001
baseline
▲ 0.50% · 4.625%
HK$13,686
+HK$685/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$26,002/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$14,255
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,699
−HK$450/mo
Today · 4.125%
HK$15,149
baseline
▲ 0.50% · 4.625%
HK$16,071
+HK$922/mo
Deposit HK$347K · loan HK$3.13M · min. income ≈ HK$30,298/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$15,859
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,284
−HK$432/mo
Today · 4.125%
HK$16,716
baseline
▲ 0.50% · 4.625%
HK$17,597
+HK$881/mo
Deposit HK$347K · loan HK$3.13M · min. income ≈ HK$33,432/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).