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$7,949
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,196
−HK$251/mo
Today · 4.125%
HK$8,447
baseline
▲ 0.50% · 4.625%
HK$8,961
+HK$514/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,894/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$8,843
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,080
−HK$241/mo
Today · 4.125%
HK$9,321
baseline
▲ 0.50% · 4.625%
HK$9,812
+HK$491/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,642/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$9,539
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,835
−HK$302/mo
Today · 4.125%
HK$10,137
baseline
▲ 0.50% · 4.625%
HK$10,754
+HK$617/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,274/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$10,612
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,896
−HK$289/mo
Today · 4.125%
HK$11,185
baseline
▲ 0.50% · 4.625%
HK$11,775
+HK$590/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,370/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$11,128
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,475
−HK$351/mo
Today · 4.125%
HK$11,826
baseline
▲ 0.50% · 4.625%
HK$12,546
+HK$720/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,652/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$12,380
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,712
−HK$337/mo
Today · 4.125%
HK$13,049
baseline
▲ 0.50% · 4.625%
HK$13,737
+HK$688/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,098/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$14,308
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,753
−HK$452/mo
Today · 4.125%
HK$15,205
baseline
▲ 0.50% · 4.625%
HK$16,130
+HK$925/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,410/mo (50% DSR)
Upfront cash ≈ HK$349K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,917
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,344
−HK$433/mo
Today · 4.125%
HK$16,777
baseline
▲ 0.50% · 4.625%
HK$17,662
+HK$885/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,554/mo (50% DSR)
Upfront cash ≈ HK$349K (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).