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$8,177
−HK$251/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$9,059
−HK$241/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$10,729
+HK$615/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$10,587
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,871
−HK$288/mo
Today · 4.125%
HK$11,159
baseline
▲ 0.50% · 4.625%
HK$11,748
+HK$589/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,318/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$11,103
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,448
−HK$351/mo
Today · 4.125%
HK$11,799
baseline
▲ 0.50% · 4.625%
HK$12,517
+HK$718/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,598/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$12,352
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,683
−HK$336/mo
Today · 4.125%
HK$13,019
baseline
▲ 0.50% · 4.625%
HK$13,706
+HK$687/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$26,038/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$14,275
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,719
−HK$451/mo
Today · 4.125%
HK$15,170
baseline
▲ 0.50% · 4.625%
HK$16,094
+HK$924/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,340/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$15,881
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,307
−HK$432/mo
Today · 4.125%
HK$16,739
baseline
▲ 0.50% · 4.625%
HK$17,621
+HK$882/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,478/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).