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$7,866
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,110
−HK$249/mo
Today · 4.125%
HK$8,359
baseline
▲ 0.50% · 4.625%
HK$8,868
+HK$509/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,718/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$8,751
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,985
−HK$238/mo
Today · 4.125%
HK$9,223
baseline
▲ 0.50% · 4.625%
HK$9,710
+HK$487/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,446/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$9,439
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,733
−HK$298/mo
Today · 4.125%
HK$10,031
baseline
▲ 0.50% · 4.625%
HK$10,641
+HK$610/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,062/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$10,501
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,782
−HK$286/mo
Today · 4.125%
HK$11,068
baseline
▲ 0.50% · 4.625%
HK$11,651
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,136/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$11,012
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,355
−HK$348/mo
Today · 4.125%
HK$11,703
baseline
▲ 0.50% · 4.625%
HK$12,415
+HK$712/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,406/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$12,251
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,579
−HK$334/mo
Today · 4.125%
HK$12,913
baseline
▲ 0.50% · 4.625%
HK$13,593
+HK$680/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,826/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$14,158
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,599
−HK$447/mo
Today · 4.125%
HK$15,046
baseline
▲ 0.50% · 4.625%
HK$15,962
+HK$916/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$30,092/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$15,751
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,174
−HK$428/mo
Today · 4.125%
HK$16,602
baseline
▲ 0.50% · 4.625%
HK$17,477
+HK$875/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$33,204/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).