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$7,909
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,155
−HK$250/mo
Today · 4.125%
HK$8,405
baseline
▲ 0.50% · 4.625%
HK$8,917
+HK$512/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,810/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$8,799
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,035
−HK$239/mo
Today · 4.125%
HK$9,274
baseline
▲ 0.50% · 4.625%
HK$9,763
+HK$489/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,548/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$9,491
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,786
−HK$300/mo
Today · 4.125%
HK$10,086
baseline
▲ 0.50% · 4.625%
HK$10,700
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,172/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$10,559
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,842
−HK$287/mo
Today · 4.125%
HK$11,129
baseline
▲ 0.50% · 4.625%
HK$11,716
+HK$587/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,258/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$11,073
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,417
−HK$350/mo
Today · 4.125%
HK$11,767
baseline
▲ 0.50% · 4.625%
HK$12,483
+HK$716/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,534/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$12,318
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,649
−HK$335/mo
Today · 4.125%
HK$12,984
baseline
▲ 0.50% · 4.625%
HK$13,668
+HK$684/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,968/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$14,236
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,679
−HK$450/mo
Today · 4.125%
HK$15,129
baseline
▲ 0.50% · 4.625%
HK$16,050
+HK$921/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,258/mo (50% DSR)
Upfront cash ≈ HK$347K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,838
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,263
−HK$431/mo
Today · 4.125%
HK$16,694
baseline
▲ 0.50% · 4.625%
HK$17,574
+HK$880/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,388/mo (50% DSR)
Upfront cash ≈ HK$347K (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).