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$7,884
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,130
−HK$249/mo
Today · 4.125%
HK$8,379
baseline
▲ 0.50% · 4.625%
HK$8,889
+HK$510/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,758/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$8,771
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,007
−HK$238/mo
Today · 4.125%
HK$9,245
baseline
▲ 0.50% · 4.625%
HK$9,733
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,490/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$9,461
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,756
−HK$299/mo
Today · 4.125%
HK$10,055
baseline
▲ 0.50% · 4.625%
HK$10,666
+HK$611/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,110/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$10,526
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,808
−HK$286/mo
Today · 4.125%
HK$11,094
baseline
▲ 0.50% · 4.625%
HK$11,679
+HK$585/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,188/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$11,038
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,382
−HK$348/mo
Today · 4.125%
HK$11,730
baseline
▲ 0.50% · 4.625%
HK$12,444
+HK$714/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,460/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$12,280
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,609
−HK$334/mo
Today · 4.125%
HK$12,943
baseline
▲ 0.50% · 4.625%
HK$13,626
+HK$683/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,886/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$14,192
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,633
−HK$449/mo
Today · 4.125%
HK$15,082
baseline
▲ 0.50% · 4.625%
HK$16,000
+HK$918/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$30,164/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$15,788
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,212
−HK$429/mo
Today · 4.125%
HK$16,641
baseline
▲ 0.50% · 4.625%
HK$17,519
+HK$878/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$33,282/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).