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$7,927
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,173
−HK$251/mo
Today · 4.125%
HK$8,424
baseline
▲ 0.50% · 4.625%
HK$8,936
+HK$512/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,848/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$8,818
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,055
−HK$240/mo
Today · 4.125%
HK$9,295
baseline
▲ 0.50% · 4.625%
HK$9,785
+HK$490/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,590/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$9,512
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,808
−HK$300/mo
Today · 4.125%
HK$10,108
baseline
▲ 0.50% · 4.625%
HK$10,724
+HK$616/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,216/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$10,582
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,866
−HK$288/mo
Today · 4.125%
HK$11,154
baseline
▲ 0.50% · 4.625%
HK$11,742
+HK$588/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,308/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$11,097
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,442
−HK$351/mo
Today · 4.125%
HK$11,793
baseline
▲ 0.50% · 4.625%
HK$12,511
+HK$718/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,586/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$12,346
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,677
−HK$336/mo
Today · 4.125%
HK$13,013
baseline
▲ 0.50% · 4.625%
HK$13,699
+HK$686/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$26,026/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$14,268
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,712
−HK$451/mo
Today · 4.125%
HK$15,163
baseline
▲ 0.50% · 4.625%
HK$16,085
+HK$922/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,326/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$15,873
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,299
−HK$432/mo
Today · 4.125%
HK$16,731
baseline
▲ 0.50% · 4.625%
HK$17,612
+HK$881/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,462/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).