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$7,955
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,202
−HK$252/mo
Today · 4.125%
HK$8,454
baseline
▲ 0.50% · 4.625%
HK$8,968
+HK$514/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,908/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$8,850
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,087
−HK$241/mo
Today · 4.125%
HK$9,328
baseline
▲ 0.50% · 4.625%
HK$9,820
+HK$492/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,656/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$9,546
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,843
−HK$302/mo
Today · 4.125%
HK$10,145
baseline
▲ 0.50% · 4.625%
HK$10,762
+HK$617/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$20,290/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,620
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,905
−HK$289/mo
Today · 4.125%
HK$11,194
baseline
▲ 0.50% · 4.625%
HK$11,784
+HK$590/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$22,388/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,137
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,483
−HK$352/mo
Today · 4.125%
HK$11,835
baseline
▲ 0.50% · 4.625%
HK$12,555
+HK$720/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,670/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,390
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,722
−HK$337/mo
Today · 4.125%
HK$13,059
baseline
▲ 0.50% · 4.625%
HK$13,747
+HK$688/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,118/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,319
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,764
−HK$453/mo
Today · 4.125%
HK$15,217
baseline
▲ 0.50% · 4.625%
HK$16,143
+HK$926/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,434/mo (50% DSR)
Upfront cash ≈ HK$349K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,930
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,357
−HK$433/mo
Today · 4.125%
HK$16,790
baseline
▲ 0.50% · 4.625%
HK$17,675
+HK$885/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,580/mo (50% DSR)
Upfront cash ≈ HK$349K (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).