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$7,903
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,149
−HK$250/mo
Today · 4.125%
HK$8,399
baseline
▲ 0.50% · 4.625%
HK$8,910
+HK$511/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,798/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,793
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,028
−HK$240/mo
Today · 4.125%
HK$9,268
baseline
▲ 0.50% · 4.625%
HK$9,756
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,536/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,484
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,779
−HK$300/mo
Today · 4.125%
HK$10,079
baseline
▲ 0.50% · 4.625%
HK$10,692
+HK$613/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,158/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,551
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,834
−HK$287/mo
Today · 4.125%
HK$11,121
baseline
▲ 0.50% · 4.625%
HK$11,707
+HK$586/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,242/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,065
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,409
−HK$350/mo
Today · 4.125%
HK$11,759
baseline
▲ 0.50% · 4.625%
HK$12,474
+HK$715/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,518/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,310
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,640
−HK$335/mo
Today · 4.125%
HK$12,975
baseline
▲ 0.50% · 4.625%
HK$13,658
+HK$683/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,950/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,226
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,669
−HK$449/mo
Today · 4.125%
HK$15,118
baseline
▲ 0.50% · 4.625%
HK$16,038
+HK$920/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,236/mo (50% DSR)
Upfront cash ≈ HK$347K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,827
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,251
−HK$431/mo
Today · 4.125%
HK$16,682
baseline
▲ 0.50% · 4.625%
HK$17,561
+HK$879/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,364/mo (50% DSR)
Upfront cash ≈ HK$347K (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).