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$8,075
−HK$247/mo
Today · 4.125%
HK$8,322
baseline
▲ 0.50% · 4.625%
HK$8,829
+HK$507/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$8,712
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,946
−HK$237/mo
Today · 4.125%
HK$9,183
baseline
▲ 0.50% · 4.625%
HK$9,667
+HK$484/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,366/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$590/mo
▼ 0.25% · 3.875%
HK$9,690
−HK$297/mo
Today · 4.125%
HK$9,987
baseline
▲ 0.50% · 4.625%
HK$10,594
+HK$607/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,974/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$10,455
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,735
−HK$284/mo
Today · 4.125%
HK$11,019
baseline
▲ 0.50% · 4.625%
HK$11,600
+HK$581/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,038/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$10,964
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,305
−HK$346/mo
Today · 4.125%
HK$11,651
baseline
▲ 0.50% · 4.625%
HK$12,360
+HK$709/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,302/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$12,197
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,524
−HK$332/mo
Today · 4.125%
HK$12,856
baseline
▲ 0.50% · 4.625%
HK$13,534
+HK$678/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,712/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$14,096
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,535
−HK$445/mo
Today · 4.125%
HK$14,980
baseline
▲ 0.50% · 4.625%
HK$15,892
+HK$912/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$29,960/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$15,682
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,102
−HK$427/mo
Today · 4.125%
HK$16,529
baseline
▲ 0.50% · 4.625%
HK$17,400
+HK$871/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$33,058/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).