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$7,898
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,143
−HK$250/mo
Today · 4.125%
HK$8,393
baseline
▲ 0.50% · 4.625%
HK$8,904
+HK$511/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,786/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$8,786
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,022
−HK$239/mo
Today · 4.125%
HK$9,261
baseline
▲ 0.50% · 4.625%
HK$9,749
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,522/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$9,477
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,772
−HK$300/mo
Today · 4.125%
HK$10,072
baseline
▲ 0.50% · 4.625%
HK$10,685
+HK$613/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,144/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$10,543
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,826
−HK$287/mo
Today · 4.125%
HK$11,113
baseline
▲ 0.50% · 4.625%
HK$11,699
+HK$586/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,226/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$11,057
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,401
−HK$349/mo
Today · 4.125%
HK$11,750
baseline
▲ 0.50% · 4.625%
HK$12,465
+HK$715/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,500/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$12,301
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,631
−HK$334/mo
Today · 4.125%
HK$12,965
baseline
▲ 0.50% · 4.625%
HK$13,649
+HK$684/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,930/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$14,216
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,658
−HK$450/mo
Today · 4.125%
HK$15,108
baseline
▲ 0.50% · 4.625%
HK$16,027
+HK$919/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$30,216/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$15,815
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,239
−HK$431/mo
Today · 4.125%
HK$16,670
baseline
▲ 0.50% · 4.625%
HK$17,548
+HK$878/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$33,340/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).