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$7,888
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,133
−HK$249/mo
Today · 4.125%
HK$8,382
baseline
▲ 0.50% · 4.625%
HK$8,892
+HK$510/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,764/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$8,775
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,010
−HK$239/mo
Today · 4.125%
HK$9,249
baseline
▲ 0.50% · 4.625%
HK$9,737
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,498/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$9,465
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,760
−HK$299/mo
Today · 4.125%
HK$10,059
baseline
▲ 0.50% · 4.625%
HK$10,671
+HK$612/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$20,118/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$10,530
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,812
−HK$287/mo
Today · 4.125%
HK$11,099
baseline
▲ 0.50% · 4.625%
HK$11,684
+HK$585/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$22,198/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$11,043
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,386
−HK$349/mo
Today · 4.125%
HK$11,735
baseline
▲ 0.50% · 4.625%
HK$12,449
+HK$714/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,470/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$12,285
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,614
−HK$335/mo
Today · 4.125%
HK$12,949
baseline
▲ 0.50% · 4.625%
HK$13,631
+HK$682/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,898/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$14,198
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,639
−HK$449/mo
Today · 4.125%
HK$15,088
baseline
▲ 0.50% · 4.625%
HK$16,006
+HK$918/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$30,176/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$15,795
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,219
−HK$429/mo
Today · 4.125%
HK$16,648
baseline
▲ 0.50% · 4.625%
HK$17,526
+HK$878/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$33,296/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).