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$7,844
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,088
−HK$248/mo
Today · 4.125%
HK$8,336
baseline
▲ 0.50% · 4.625%
HK$8,843
+HK$507/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,672/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$8,726
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,960
−HK$238/mo
Today · 4.125%
HK$9,198
baseline
▲ 0.50% · 4.625%
HK$9,683
+HK$485/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,396/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$9,413
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,706
−HK$297/mo
Today · 4.125%
HK$10,003
baseline
▲ 0.50% · 4.625%
HK$10,612
+HK$609/mo
Deposit HK$1.38M · loan HK$2.06M · min. income ≈ HK$20,006/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$10,472
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,753
−HK$284/mo
Today · 4.125%
HK$11,037
baseline
▲ 0.50% · 4.625%
HK$11,619
+HK$582/mo
Deposit HK$1.38M · loan HK$2.06M · min. income ≈ HK$22,074/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$10,982
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,323
−HK$347/mo
Today · 4.125%
HK$11,670
baseline
▲ 0.50% · 4.625%
HK$12,380
+HK$710/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,340/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$12,217
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,545
−HK$332/mo
Today · 4.125%
HK$12,877
baseline
▲ 0.50% · 4.625%
HK$13,556
+HK$679/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,754/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$14,119
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,558
−HK$447/mo
Today · 4.125%
HK$15,005
baseline
▲ 0.50% · 4.625%
HK$15,918
+HK$913/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$30,010/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$15,707
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,129
−HK$427/mo
Today · 4.125%
HK$16,556
baseline
▲ 0.50% · 4.625%
HK$17,429
+HK$873/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$33,112/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).