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$7,862
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,107
−HK$248/mo
Today · 4.125%
HK$8,355
baseline
▲ 0.50% · 4.625%
HK$8,864
+HK$509/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,710/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$8,747
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,981
−HK$238/mo
Today · 4.125%
HK$9,219
baseline
▲ 0.50% · 4.625%
HK$9,705
+HK$486/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,438/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$9,435
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,728
−HK$298/mo
Today · 4.125%
HK$10,026
baseline
▲ 0.50% · 4.625%
HK$10,636
+HK$610/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,052/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$10,496
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,778
−HK$285/mo
Today · 4.125%
HK$11,063
baseline
▲ 0.50% · 4.625%
HK$11,646
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,126/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$11,007
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,350
−HK$347/mo
Today · 4.125%
HK$11,697
baseline
▲ 0.50% · 4.625%
HK$12,409
+HK$712/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,394/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$12,245
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,574
−HK$333/mo
Today · 4.125%
HK$12,907
baseline
▲ 0.50% · 4.625%
HK$13,587
+HK$680/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,814/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$14,152
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,592
−HK$448/mo
Today · 4.125%
HK$15,040
baseline
▲ 0.50% · 4.625%
HK$15,955
+HK$915/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$30,080/mo (50% DSR)
Upfront cash ≈ HK$345K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,744
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,166
−HK$429/mo
Today · 4.125%
HK$16,595
baseline
▲ 0.50% · 4.625%
HK$17,469
+HK$874/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$33,190/mo (50% DSR)
Upfront cash ≈ HK$345K (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).