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$7,922
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,168
−HK$251/mo
Today · 4.125%
HK$8,419
baseline
▲ 0.50% · 4.625%
HK$8,931
+HK$512/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,838/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$8,813
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,050
−HK$239/mo
Today · 4.125%
HK$9,289
baseline
▲ 0.50% · 4.625%
HK$9,779
+HK$490/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,578/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$9,506
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,802
−HK$301/mo
Today · 4.125%
HK$10,103
baseline
▲ 0.50% · 4.625%
HK$10,717
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,206/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$10,576
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,859
−HK$288/mo
Today · 4.125%
HK$11,147
baseline
▲ 0.50% · 4.625%
HK$11,735
+HK$588/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,294/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$11,091
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,436
−HK$350/mo
Today · 4.125%
HK$11,786
baseline
▲ 0.50% · 4.625%
HK$12,504
+HK$718/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,572/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$12,338
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,669
−HK$336/mo
Today · 4.125%
HK$13,005
baseline
▲ 0.50% · 4.625%
HK$13,691
+HK$686/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$26,010/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$14,260
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,703
−HK$451/mo
Today · 4.125%
HK$15,154
baseline
▲ 0.50% · 4.625%
HK$16,076
+HK$922/mo
Deposit HK$347K · loan HK$3.13M · min. income ≈ HK$30,308/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$15,864
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,289
−HK$432/mo
Today · 4.125%
HK$16,721
baseline
▲ 0.50% · 4.625%
HK$17,602
+HK$881/mo
Deposit HK$347K · loan HK$3.13M · min. income ≈ HK$33,442/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).