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$7,924
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,171
−HK$250/mo
Today · 4.125%
HK$8,421
baseline
▲ 0.50% · 4.625%
HK$8,933
+HK$512/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,842/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$8,815
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,052
−HK$240/mo
Today · 4.125%
HK$9,292
baseline
▲ 0.50% · 4.625%
HK$9,781
+HK$489/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,584/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$9,509
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,805
−HK$300/mo
Today · 4.125%
HK$10,105
baseline
▲ 0.50% · 4.625%
HK$10,720
+HK$615/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,210/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$10,579
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,862
−HK$288/mo
Today · 4.125%
HK$11,150
baseline
▲ 0.50% · 4.625%
HK$11,738
+HK$588/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,300/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$11,094
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,439
−HK$350/mo
Today · 4.125%
HK$11,789
baseline
▲ 0.50% · 4.625%
HK$12,507
+HK$718/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,578/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$12,342
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,673
−HK$335/mo
Today · 4.125%
HK$13,008
baseline
▲ 0.50% · 4.625%
HK$13,694
+HK$686/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$26,016/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$14,263
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,707
−HK$451/mo
Today · 4.125%
HK$15,158
baseline
▲ 0.50% · 4.625%
HK$16,080
+HK$922/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,316/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$15,868
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,293
−HK$432/mo
Today · 4.125%
HK$16,725
baseline
▲ 0.50% · 4.625%
HK$17,607
+HK$882/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,450/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).