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$7,836
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,080
−HK$248/mo
Today · 4.125%
HK$8,328
baseline
▲ 0.50% · 4.625%
HK$8,834
+HK$506/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,656/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,718
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,951
−HK$238/mo
Today · 4.125%
HK$9,189
baseline
▲ 0.50% · 4.625%
HK$9,673
+HK$484/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,378/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,403
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,696
−HK$297/mo
Today · 4.125%
HK$9,993
baseline
▲ 0.50% · 4.625%
HK$10,601
+HK$608/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,986/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,461
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,742
−HK$284/mo
Today · 4.125%
HK$11,026
baseline
▲ 0.50% · 4.625%
HK$11,608
+HK$582/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,052/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,971
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,312
−HK$347/mo
Today · 4.125%
HK$11,659
baseline
▲ 0.50% · 4.625%
HK$12,368
+HK$709/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,318/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,205
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,532
−HK$332/mo
Today · 4.125%
HK$12,864
baseline
▲ 0.50% · 4.625%
HK$13,542
+HK$678/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,728/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,105
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,544
−HK$446/mo
Today · 4.125%
HK$14,990
baseline
▲ 0.50% · 4.625%
HK$15,902
+HK$912/mo
Deposit HK$344K · loan HK$3.09M · min. income ≈ HK$29,980/mo (50% DSR)
Upfront cash ≈ HK$344K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,692
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,113
−HK$427/mo
Today · 4.125%
HK$16,540
baseline
▲ 0.50% · 4.625%
HK$17,411
+HK$871/mo
Deposit HK$344K · loan HK$3.09M · min. income ≈ HK$33,080/mo (50% DSR)
Upfront cash ≈ HK$344K (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).