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$7,940
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,187
−HK$251/mo
Today · 4.125%
HK$8,438
baseline
▲ 0.50% · 4.625%
HK$8,952
+HK$514/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,876/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$8,834
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,070
−HK$241/mo
Today · 4.125%
HK$9,311
baseline
▲ 0.50% · 4.625%
HK$9,802
+HK$491/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,622/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$9,528
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,825
−HK$301/mo
Today · 4.125%
HK$10,126
baseline
▲ 0.50% · 4.625%
HK$10,742
+HK$616/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,252/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$10,600
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,885
−HK$288/mo
Today · 4.125%
HK$11,173
baseline
▲ 0.50% · 4.625%
HK$11,762
+HK$589/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,346/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$11,116
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,462
−HK$352/mo
Today · 4.125%
HK$11,814
baseline
▲ 0.50% · 4.625%
HK$12,532
+HK$718/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$23,628/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$12,367
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,699
−HK$336/mo
Today · 4.125%
HK$13,035
baseline
▲ 0.50% · 4.625%
HK$13,722
+HK$687/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$26,070/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$14,293
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,737
−HK$452/mo
Today · 4.125%
HK$15,189
baseline
▲ 0.50% · 4.625%
HK$16,113
+HK$924/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,378/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$15,900
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,327
−HK$432/mo
Today · 4.125%
HK$16,759
baseline
▲ 0.50% · 4.625%
HK$17,643
+HK$884/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,518/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).