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$7,913
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,159
−HK$250/mo
Today · 4.125%
HK$8,409
baseline
▲ 0.50% · 4.625%
HK$8,921
+HK$512/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,818/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$8,803
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,039
−HK$240/mo
Today · 4.125%
HK$9,279
baseline
▲ 0.50% · 4.625%
HK$9,768
+HK$489/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,558/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$9,496
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,791
−HK$300/mo
Today · 4.125%
HK$10,091
baseline
▲ 0.50% · 4.625%
HK$10,705
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,182/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$10,564
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,847
−HK$288/mo
Today · 4.125%
HK$11,135
baseline
▲ 0.50% · 4.625%
HK$11,722
+HK$587/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,270/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$11,078
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,423
−HK$350/mo
Today · 4.125%
HK$11,773
baseline
▲ 0.50% · 4.625%
HK$12,489
+HK$716/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,546/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$12,325
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,655
−HK$335/mo
Today · 4.125%
HK$12,990
baseline
▲ 0.50% · 4.625%
HK$13,675
+HK$685/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,980/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$14,244
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,687
−HK$450/mo
Today · 4.125%
HK$15,137
baseline
▲ 0.50% · 4.625%
HK$16,058
+HK$921/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,274/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$15,846
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,271
−HK$431/mo
Today · 4.125%
HK$16,702
baseline
▲ 0.50% · 4.625%
HK$17,582
+HK$880/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,404/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).