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$7,956
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,204
−HK$251/mo
Today · 4.125%
HK$8,455
baseline
▲ 0.50% · 4.625%
HK$8,969
+HK$514/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,910/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$8,851
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,088
−HK$241/mo
Today · 4.125%
HK$9,329
baseline
▲ 0.50% · 4.625%
HK$9,821
+HK$492/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,658/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$9,547
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,844
−HK$302/mo
Today · 4.125%
HK$10,146
baseline
▲ 0.50% · 4.625%
HK$10,763
+HK$617/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$20,292/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,621
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,906
−HK$289/mo
Today · 4.125%
HK$11,195
baseline
▲ 0.50% · 4.625%
HK$11,785
+HK$590/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$22,390/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,139
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,485
−HK$352/mo
Today · 4.125%
HK$11,837
baseline
▲ 0.50% · 4.625%
HK$12,557
+HK$720/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,674/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$12,391
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,724
−HK$337/mo
Today · 4.125%
HK$13,061
baseline
▲ 0.50% · 4.625%
HK$13,749
+HK$688/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,122/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$14,321
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,766
−HK$453/mo
Today · 4.125%
HK$15,219
baseline
▲ 0.50% · 4.625%
HK$16,145
+HK$926/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,438/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$15,932
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,359
−HK$434/mo
Today · 4.125%
HK$16,793
baseline
▲ 0.50% · 4.625%
HK$17,678
+HK$885/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,586/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).