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$7,933
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,180
−HK$250/mo
Today · 4.125%
HK$8,430
baseline
▲ 0.50% · 4.625%
HK$8,943
+HK$513/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,860/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$8,825
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,062
−HK$240/mo
Today · 4.125%
HK$9,302
baseline
▲ 0.50% · 4.625%
HK$9,792
+HK$490/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,604/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$9,520
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,816
−HK$301/mo
Today · 4.125%
HK$10,117
baseline
▲ 0.50% · 4.625%
HK$10,732
+HK$615/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,234/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$10,590
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,874
−HK$289/mo
Today · 4.125%
HK$11,163
baseline
▲ 0.50% · 4.625%
HK$11,751
+HK$588/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,326/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$11,106
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,452
−HK$351/mo
Today · 4.125%
HK$11,803
baseline
▲ 0.50% · 4.625%
HK$12,521
+HK$718/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$23,606/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$12,355
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,687
−HK$336/mo
Today · 4.125%
HK$13,023
baseline
▲ 0.50% · 4.625%
HK$13,709
+HK$686/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$26,046/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$14,279
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,724
−HK$451/mo
Today · 4.125%
HK$15,175
baseline
▲ 0.50% · 4.625%
HK$16,098
+HK$923/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,350/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$15,886
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,312
−HK$432/mo
Today · 4.125%
HK$16,744
baseline
▲ 0.50% · 4.625%
HK$17,626
+HK$882/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,488/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).