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$7,939
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,186
−HK$251/mo
Today · 4.125%
HK$8,437
baseline
▲ 0.50% · 4.625%
HK$8,950
+HK$513/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,874/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$8,832
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,069
−HK$240/mo
Today · 4.125%
HK$9,309
baseline
▲ 0.50% · 4.625%
HK$9,800
+HK$491/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,618/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$9,527
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,823
−HK$301/mo
Today · 4.125%
HK$10,124
baseline
▲ 0.50% · 4.625%
HK$10,740
+HK$616/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,248/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$10,598
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,882
−HK$289/mo
Today · 4.125%
HK$11,171
baseline
▲ 0.50% · 4.625%
HK$11,760
+HK$589/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,342/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$11,114
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,460
−HK$351/mo
Today · 4.125%
HK$11,811
baseline
▲ 0.50% · 4.625%
HK$12,530
+HK$719/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$23,622/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$12,365
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,696
−HK$337/mo
Today · 4.125%
HK$13,033
baseline
▲ 0.50% · 4.625%
HK$13,720
+HK$687/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$26,066/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$14,290
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,734
−HK$452/mo
Today · 4.125%
HK$15,186
baseline
▲ 0.50% · 4.625%
HK$16,110
+HK$924/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,372/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$15,897
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,324
−HK$432/mo
Today · 4.125%
HK$16,756
baseline
▲ 0.50% · 4.625%
HK$17,640
+HK$884/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,512/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).