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$7,821
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,065
−HK$247/mo
Today · 4.125%
HK$8,312
baseline
▲ 0.50% · 4.625%
HK$8,818
+HK$506/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,624/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$8,701
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,935
−HK$236/mo
Today · 4.125%
HK$9,171
baseline
▲ 0.50% · 4.625%
HK$9,655
+HK$484/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,342/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$9,386
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,678
−HK$296/mo
Today · 4.125%
HK$9,974
baseline
▲ 0.50% · 4.625%
HK$10,581
+HK$607/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,948/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$10,442
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,722
−HK$284/mo
Today · 4.125%
HK$11,006
baseline
▲ 0.50% · 4.625%
HK$11,586
+HK$580/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,012/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$10,950
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,291
−HK$346/mo
Today · 4.125%
HK$11,637
baseline
▲ 0.50% · 4.625%
HK$12,345
+HK$708/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,274/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$12,182
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,509
−HK$331/mo
Today · 4.125%
HK$12,840
baseline
▲ 0.50% · 4.625%
HK$13,517
+HK$677/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,680/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$14,079
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,517
−HK$444/mo
Today · 4.125%
HK$14,961
baseline
▲ 0.50% · 4.625%
HK$15,872
+HK$911/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$29,922/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,662
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,082
−HK$427/mo
Today · 4.125%
HK$16,509
baseline
▲ 0.50% · 4.625%
HK$17,379
+HK$870/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$33,018/mo (50% DSR)
Upfront cash ≈ HK$343K (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).