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$7,942
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,190
−HK$251/mo
Today · 4.125%
HK$8,441
baseline
▲ 0.50% · 4.625%
HK$8,954
+HK$513/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,882/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$8,836
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,073
−HK$240/mo
Today · 4.125%
HK$9,313
baseline
▲ 0.50% · 4.625%
HK$9,804
+HK$491/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,626/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$9,531
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,827
−HK$302/mo
Today · 4.125%
HK$10,129
baseline
▲ 0.50% · 4.625%
HK$10,745
+HK$616/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,258/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$10,603
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,887
−HK$289/mo
Today · 4.125%
HK$11,176
baseline
▲ 0.50% · 4.625%
HK$11,765
+HK$589/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,352/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$11,119
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,465
−HK$352/mo
Today · 4.125%
HK$11,817
baseline
▲ 0.50% · 4.625%
HK$12,536
+HK$719/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$23,634/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,370
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,702
−HK$337/mo
Today · 4.125%
HK$13,039
baseline
▲ 0.50% · 4.625%
HK$13,726
+HK$687/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$26,078/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,296
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,741
−HK$452/mo
Today · 4.125%
HK$15,193
baseline
▲ 0.50% · 4.625%
HK$16,117
+HK$924/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,386/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$15,905
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,331
−HK$433/mo
Today · 4.125%
HK$16,764
baseline
▲ 0.50% · 4.625%
HK$17,648
+HK$884/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,528/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).