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$7,917
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,163
−HK$250/mo
Today · 4.125%
HK$8,413
baseline
▲ 0.50% · 4.625%
HK$8,925
+HK$512/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,826/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$8,807
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,043
−HK$240/mo
Today · 4.125%
HK$9,283
baseline
▲ 0.50% · 4.625%
HK$9,772
+HK$489/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,566/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$9,500
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,795
−HK$301/mo
Today · 4.125%
HK$10,096
baseline
▲ 0.50% · 4.625%
HK$10,710
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,192/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$10,569
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,852
−HK$288/mo
Today · 4.125%
HK$11,140
baseline
▲ 0.50% · 4.625%
HK$11,727
+HK$587/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,280/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$11,083
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,428
−HK$350/mo
Today · 4.125%
HK$11,778
baseline
▲ 0.50% · 4.625%
HK$12,495
+HK$717/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,556/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$12,330
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,661
−HK$335/mo
Today · 4.125%
HK$12,996
baseline
▲ 0.50% · 4.625%
HK$13,681
+HK$685/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,992/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$14,250
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,693
−HK$450/mo
Today · 4.125%
HK$15,143
baseline
▲ 0.50% · 4.625%
HK$16,065
+HK$922/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,286/mo (50% DSR)
Upfront cash ≈ HK$347K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,853
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,278
−HK$431/mo
Today · 4.125%
HK$16,709
baseline
▲ 0.50% · 4.625%
HK$17,590
+HK$881/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,418/mo (50% DSR)
Upfront cash ≈ HK$347K (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).