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$7,922
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,168
−HK$250/mo
Today · 4.125%
HK$8,418
baseline
▲ 0.50% · 4.625%
HK$8,931
+HK$513/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$8,813
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,049
−HK$240/mo
Today · 4.125%
HK$9,289
baseline
▲ 0.50% · 4.625%
HK$9,778
+HK$489/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,578/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$9,506
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,802
−HK$300/mo
Today · 4.125%
HK$10,102
baseline
▲ 0.50% · 4.625%
HK$10,717
+HK$615/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,204/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$10,575
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,859
−HK$287/mo
Today · 4.125%
HK$11,146
baseline
▲ 0.50% · 4.625%
HK$11,734
+HK$588/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$11,090
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,435
−HK$351/mo
Today · 4.125%
HK$11,786
baseline
▲ 0.50% · 4.625%
HK$12,503
+HK$717/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,572/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$12,338
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,669
−HK$335/mo
Today · 4.125%
HK$13,004
baseline
▲ 0.50% · 4.625%
HK$13,690
+HK$686/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$26,008/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$14,259
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,702
−HK$451/mo
Today · 4.125%
HK$15,153
baseline
▲ 0.50% · 4.625%
HK$16,075
+HK$922/mo
Deposit HK$347K · loan HK$3.13M · min. income ≈ HK$30,306/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$15,863
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,288
−HK$432/mo
Today · 4.125%
HK$16,720
baseline
▲ 0.50% · 4.625%
HK$17,601
+HK$881/mo
Deposit HK$347K · loan HK$3.13M · min. income ≈ HK$33,440/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).