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$7,934
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,181
−HK$251/mo
Today · 4.125%
HK$8,432
baseline
▲ 0.50% · 4.625%
HK$8,945
+HK$513/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,864/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$8,826
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,063
−HK$240/mo
Today · 4.125%
HK$9,303
baseline
▲ 0.50% · 4.625%
HK$9,794
+HK$491/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,606/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$9,521
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,817
−HK$301/mo
Today · 4.125%
HK$10,118
baseline
▲ 0.50% · 4.625%
HK$10,733
+HK$615/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,236/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$10,592
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,876
−HK$288/mo
Today · 4.125%
HK$11,164
baseline
▲ 0.50% · 4.625%
HK$11,753
+HK$589/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,328/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$11,108
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,453
−HK$351/mo
Today · 4.125%
HK$11,804
baseline
▲ 0.50% · 4.625%
HK$12,522
+HK$718/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$23,608/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$12,357
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,688
−HK$337/mo
Today · 4.125%
HK$13,025
baseline
▲ 0.50% · 4.625%
HK$13,711
+HK$686/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$26,050/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$14,281
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,725
−HK$452/mo
Today · 4.125%
HK$15,177
baseline
▲ 0.50% · 4.625%
HK$16,100
+HK$923/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,354/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$15,888
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,314
−HK$432/mo
Today · 4.125%
HK$16,746
baseline
▲ 0.50% · 4.625%
HK$17,629
+HK$883/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,492/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).