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$7,938
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,185
−HK$251/mo
Today · 4.125%
HK$8,436
baseline
▲ 0.50% · 4.625%
HK$8,949
+HK$513/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,872/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$8,831
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,068
−HK$240/mo
Today · 4.125%
HK$9,308
baseline
▲ 0.50% · 4.625%
HK$9,799
+HK$491/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,616/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$9,526
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,822
−HK$301/mo
Today · 4.125%
HK$10,123
baseline
▲ 0.50% · 4.625%
HK$10,739
+HK$616/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,246/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$10,597
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,881
−HK$289/mo
Today · 4.125%
HK$11,170
baseline
▲ 0.50% · 4.625%
HK$11,759
+HK$589/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,340/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$11,113
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,459
−HK$351/mo
Today · 4.125%
HK$11,810
baseline
▲ 0.50% · 4.625%
HK$12,529
+HK$719/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$23,620/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$12,363
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,695
−HK$336/mo
Today · 4.125%
HK$13,031
baseline
▲ 0.50% · 4.625%
HK$13,718
+HK$687/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$26,062/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$14,289
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,733
−HK$452/mo
Today · 4.125%
HK$15,185
baseline
▲ 0.50% · 4.625%
HK$16,109
+HK$924/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,370/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$15,896
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,322
−HK$433/mo
Today · 4.125%
HK$16,755
baseline
▲ 0.50% · 4.625%
HK$17,638
+HK$883/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,510/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).