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$7,875
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,120
−HK$249/mo
Today · 4.125%
HK$8,369
baseline
▲ 0.50% · 4.625%
HK$8,878
+HK$509/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,738/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$8,761
−HK$474/mo
▼ 0.25% · 3.875%
HK$8,996
−HK$239/mo
Today · 4.125%
HK$9,235
baseline
▲ 0.50% · 4.625%
HK$9,721
+HK$486/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,470/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$9,450
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,744
−HK$299/mo
Today · 4.125%
HK$10,043
baseline
▲ 0.50% · 4.625%
HK$10,654
+HK$611/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,086/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$10,514
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,795
−HK$287/mo
Today · 4.125%
HK$11,082
baseline
▲ 0.50% · 4.625%
HK$11,666
+HK$584/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,164/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$11,026
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,368
−HK$349/mo
Today · 4.125%
HK$11,717
baseline
▲ 0.50% · 4.625%
HK$12,430
+HK$713/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,434/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$12,266
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,595
−HK$333/mo
Today · 4.125%
HK$12,928
baseline
▲ 0.50% · 4.625%
HK$13,610
+HK$682/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,856/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$14,176
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,617
−HK$448/mo
Today · 4.125%
HK$15,065
baseline
▲ 0.50% · 4.625%
HK$15,981
+HK$916/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$30,130/mo (50% DSR)
Upfront cash ≈ HK$345K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,770
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,193
−HK$429/mo
Today · 4.125%
HK$16,622
baseline
▲ 0.50% · 4.625%
HK$17,498
+HK$876/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$33,244/mo (50% DSR)
Upfront cash ≈ HK$345K (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).