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$7,872
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,116
−HK$249/mo
Today · 4.125%
HK$8,365
baseline
▲ 0.50% · 4.625%
HK$8,874
+HK$509/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,730/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$8,757
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,992
−HK$238/mo
Today · 4.125%
HK$9,230
baseline
▲ 0.50% · 4.625%
HK$9,717
+HK$487/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,460/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$9,446
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,740
−HK$298/mo
Today · 4.125%
HK$10,038
baseline
▲ 0.50% · 4.625%
HK$10,649
+HK$611/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,076/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$10,508
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,790
−HK$286/mo
Today · 4.125%
HK$11,076
baseline
▲ 0.50% · 4.625%
HK$11,660
+HK$584/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,152/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$11,020
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,363
−HK$348/mo
Today · 4.125%
HK$11,711
baseline
▲ 0.50% · 4.625%
HK$12,424
+HK$713/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,422/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$12,260
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,589
−HK$333/mo
Today · 4.125%
HK$12,922
baseline
▲ 0.50% · 4.625%
HK$13,603
+HK$681/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,844/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$14,169
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,609
−HK$448/mo
Today · 4.125%
HK$15,057
baseline
▲ 0.50% · 4.625%
HK$15,973
+HK$916/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$30,114/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$15,763
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,185
−HK$429/mo
Today · 4.125%
HK$16,614
baseline
▲ 0.50% · 4.625%
HK$17,490
+HK$876/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$33,228/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).