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$7,926
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,172
−HK$251/mo
Today · 4.125%
HK$8,423
baseline
▲ 0.50% · 4.625%
HK$8,935
+HK$512/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,846/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$8,817
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,054
−HK$240/mo
Today · 4.125%
HK$9,294
baseline
▲ 0.50% · 4.625%
HK$9,784
+HK$490/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,588/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$9,511
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,807
−HK$301/mo
Today · 4.125%
HK$10,108
baseline
▲ 0.50% · 4.625%
HK$10,723
+HK$615/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,216/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$10,581
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,865
−HK$288/mo
Today · 4.125%
HK$11,153
baseline
▲ 0.50% · 4.625%
HK$11,741
+HK$588/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,306/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$11,096
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,441
−HK$351/mo
Today · 4.125%
HK$11,792
baseline
▲ 0.50% · 4.625%
HK$12,510
+HK$718/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,584/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$12,344
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,676
−HK$335/mo
Today · 4.125%
HK$13,011
baseline
▲ 0.50% · 4.625%
HK$13,697
+HK$686/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$26,022/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$14,267
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,710
−HK$451/mo
Today · 4.125%
HK$15,161
baseline
▲ 0.50% · 4.625%
HK$16,084
+HK$923/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,322/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$15,871
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,297
−HK$432/mo
Today · 4.125%
HK$16,729
baseline
▲ 0.50% · 4.625%
HK$17,611
+HK$882/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,458/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).