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$7,831
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,074
−HK$248/mo
Today · 4.125%
HK$8,322
baseline
▲ 0.50% · 4.625%
HK$8,828
+HK$506/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,644/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$8,711
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,945
−HK$237/mo
Today · 4.125%
HK$9,182
baseline
▲ 0.50% · 4.625%
HK$9,666
+HK$484/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,364/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$9,397
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,689
−HK$297/mo
Today · 4.125%
HK$9,986
baseline
▲ 0.50% · 4.625%
HK$10,594
+HK$608/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,972/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$10,454
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,734
−HK$284/mo
Today · 4.125%
HK$11,018
baseline
▲ 0.50% · 4.625%
HK$11,599
+HK$581/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,036/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$10,963
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,304
−HK$346/mo
Today · 4.125%
HK$11,650
baseline
▲ 0.50% · 4.625%
HK$12,359
+HK$709/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,300/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$12,196
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,523
−HK$332/mo
Today · 4.125%
HK$12,855
baseline
▲ 0.50% · 4.625%
HK$13,532
+HK$677/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,710/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$14,095
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,533
−HK$446/mo
Today · 4.125%
HK$14,979
baseline
▲ 0.50% · 4.625%
HK$15,890
+HK$911/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$29,958/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$15,681
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,101
−HK$427/mo
Today · 4.125%
HK$16,528
baseline
▲ 0.50% · 4.625%
HK$17,399
+HK$871/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$33,056/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).