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$7,879
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,124
−HK$249/mo
Today · 4.125%
HK$8,373
baseline
▲ 0.50% · 4.625%
HK$8,882
+HK$509/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,746/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$8,765
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,000
−HK$239/mo
Today · 4.125%
HK$9,239
baseline
▲ 0.50% · 4.625%
HK$9,726
+HK$487/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,478/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$9,455
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,749
−HK$299/mo
Today · 4.125%
HK$10,048
baseline
▲ 0.50% · 4.625%
HK$10,659
+HK$611/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,096/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$10,518
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,800
−HK$286/mo
Today · 4.125%
HK$11,086
baseline
▲ 0.50% · 4.625%
HK$11,671
+HK$585/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,172/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$11,030
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,374
−HK$348/mo
Today · 4.125%
HK$11,722
baseline
▲ 0.50% · 4.625%
HK$12,435
+HK$713/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,444/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$12,271
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,600
−HK$334/mo
Today · 4.125%
HK$12,934
baseline
▲ 0.50% · 4.625%
HK$13,616
+HK$682/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,868/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$14,182
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,623
−HK$448/mo
Today · 4.125%
HK$15,071
baseline
▲ 0.50% · 4.625%
HK$15,988
+HK$917/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$30,142/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$15,777
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,200
−HK$430/mo
Today · 4.125%
HK$16,630
baseline
▲ 0.50% · 4.625%
HK$17,506
+HK$876/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$33,260/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).