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$7,893
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,139
−HK$249/mo
Today · 4.125%
HK$8,388
baseline
▲ 0.50% · 4.625%
HK$8,899
+HK$511/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,776/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,781
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,017
−HK$238/mo
Today · 4.125%
HK$9,255
baseline
▲ 0.50% · 4.625%
HK$9,743
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,510/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,472
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,766
−HK$300/mo
Today · 4.125%
HK$10,066
baseline
▲ 0.50% · 4.625%
HK$10,678
+HK$612/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$20,132/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,537
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,820
−HK$287/mo
Today · 4.125%
HK$11,107
baseline
▲ 0.50% · 4.625%
HK$11,692
+HK$585/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$22,214/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,050
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,394
−HK$349/mo
Today · 4.125%
HK$11,743
baseline
▲ 0.50% · 4.625%
HK$12,458
+HK$715/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,486/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$12,293
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,623
−HK$335/mo
Today · 4.125%
HK$12,958
baseline
▲ 0.50% · 4.625%
HK$13,641
+HK$683/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,916/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$14,208
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,650
−HK$449/mo
Today · 4.125%
HK$15,099
baseline
▲ 0.50% · 4.625%
HK$16,017
+HK$918/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$30,198/mo (50% DSR)
Upfront cash ≈ HK$346K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,806
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,230
−HK$430/mo
Today · 4.125%
HK$16,660
baseline
▲ 0.50% · 4.625%
HK$17,538
+HK$878/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$33,320/mo (50% DSR)
Upfront cash ≈ HK$346K (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).