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$7,914
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,161
−HK$250/mo
Today · 4.125%
HK$8,411
baseline
▲ 0.50% · 4.625%
HK$8,922
+HK$511/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,822/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$8,805
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,041
−HK$239/mo
Today · 4.125%
HK$9,280
baseline
▲ 0.50% · 4.625%
HK$9,770
+HK$490/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,560/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$9,497
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,793
−HK$300/mo
Today · 4.125%
HK$10,093
baseline
▲ 0.50% · 4.625%
HK$10,707
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,186/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$10,566
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,849
−HK$287/mo
Today · 4.125%
HK$11,136
baseline
▲ 0.50% · 4.625%
HK$11,724
+HK$588/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,272/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$11,080
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,425
−HK$350/mo
Today · 4.125%
HK$11,775
baseline
▲ 0.50% · 4.625%
HK$12,491
+HK$716/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,550/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$12,327
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,657
−HK$336/mo
Today · 4.125%
HK$12,993
baseline
▲ 0.50% · 4.625%
HK$13,677
+HK$684/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,986/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$14,246
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,689
−HK$450/mo
Today · 4.125%
HK$15,139
baseline
▲ 0.50% · 4.625%
HK$16,060
+HK$921/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,278/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$15,848
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,274
−HK$431/mo
Today · 4.125%
HK$16,705
baseline
▲ 0.50% · 4.625%
HK$17,585
+HK$880/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,410/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).