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$7,838
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,082
−HK$247/mo
Today · 4.125%
HK$8,329
baseline
▲ 0.50% · 4.625%
HK$8,836
+HK$507/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,658/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$8,719
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,953
−HK$238/mo
Today · 4.125%
HK$9,191
baseline
▲ 0.50% · 4.625%
HK$9,675
+HK$484/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,382/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$9,405
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,698
−HK$297/mo
Today · 4.125%
HK$9,995
baseline
▲ 0.50% · 4.625%
HK$10,603
+HK$608/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,990/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$10,463
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,744
−HK$285/mo
Today · 4.125%
HK$11,029
baseline
▲ 0.50% · 4.625%
HK$11,610
+HK$581/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,058/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$10,973
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,314
−HK$347/mo
Today · 4.125%
HK$11,661
baseline
▲ 0.50% · 4.625%
HK$12,371
+HK$710/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,322/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$12,207
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,535
−HK$332/mo
Today · 4.125%
HK$12,867
baseline
▲ 0.50% · 4.625%
HK$13,545
+HK$678/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,734/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$14,108
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,547
−HK$446/mo
Today · 4.125%
HK$14,993
baseline
▲ 0.50% · 4.625%
HK$15,905
+HK$912/mo
Deposit HK$344K · loan HK$3.09M · min. income ≈ HK$29,986/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$15,695
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,116
−HK$427/mo
Today · 4.125%
HK$16,543
baseline
▲ 0.50% · 4.625%
HK$17,415
+HK$872/mo
Deposit HK$344K · loan HK$3.09M · min. income ≈ HK$33,086/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).