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$7,931
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,178
−HK$250/mo
Today · 4.125%
HK$8,428
baseline
▲ 0.50% · 4.625%
HK$8,941
+HK$513/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,856/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$8,823
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,060
−HK$240/mo
Today · 4.125%
HK$9,300
baseline
▲ 0.50% · 4.625%
HK$9,790
+HK$490/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,600/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$9,517
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,813
−HK$301/mo
Today · 4.125%
HK$10,114
baseline
▲ 0.50% · 4.625%
HK$10,730
+HK$616/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,228/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$10,588
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,872
−HK$288/mo
Today · 4.125%
HK$11,160
baseline
▲ 0.50% · 4.625%
HK$11,748
+HK$588/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,320/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$11,104
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,449
−HK$351/mo
Today · 4.125%
HK$11,800
baseline
▲ 0.50% · 4.625%
HK$12,518
+HK$718/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,600/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$12,353
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,684
−HK$336/mo
Today · 4.125%
HK$13,020
baseline
▲ 0.50% · 4.625%
HK$13,706
+HK$686/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$26,040/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$14,276
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,720
−HK$451/mo
Today · 4.125%
HK$15,171
baseline
▲ 0.50% · 4.625%
HK$16,094
+HK$923/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,342/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$15,882
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,308
−HK$432/mo
Today · 4.125%
HK$16,740
baseline
▲ 0.50% · 4.625%
HK$17,622
+HK$882/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,480/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).