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$7,936
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,183
−HK$251/mo
Today · 4.125%
HK$8,434
baseline
▲ 0.50% · 4.625%
HK$8,947
+HK$513/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,868/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$8,829
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,066
−HK$240/mo
Today · 4.125%
HK$9,306
baseline
▲ 0.50% · 4.625%
HK$9,797
+HK$491/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,612/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$9,524
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,820
−HK$301/mo
Today · 4.125%
HK$10,121
baseline
▲ 0.50% · 4.625%
HK$10,737
+HK$616/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,242/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$10,595
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,879
−HK$289/mo
Today · 4.125%
HK$11,168
baseline
▲ 0.50% · 4.625%
HK$11,756
+HK$588/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,336/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$11,111
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,457
−HK$351/mo
Today · 4.125%
HK$11,808
baseline
▲ 0.50% · 4.625%
HK$12,526
+HK$718/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$23,616/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$12,361
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,692
−HK$337/mo
Today · 4.125%
HK$13,029
baseline
▲ 0.50% · 4.625%
HK$13,716
+HK$687/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$26,058/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$14,286
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,730
−HK$452/mo
Today · 4.125%
HK$15,182
baseline
▲ 0.50% · 4.625%
HK$16,105
+HK$923/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,364/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$15,893
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,319
−HK$432/mo
Today · 4.125%
HK$16,751
baseline
▲ 0.50% · 4.625%
HK$17,634
+HK$883/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,502/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).