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$7,847
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,091
−HK$248/mo
Today · 4.125%
HK$8,339
baseline
▲ 0.50% · 4.625%
HK$8,846
+HK$507/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,678/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$8,729
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,963
−HK$238/mo
Today · 4.125%
HK$9,201
baseline
▲ 0.50% · 4.625%
HK$9,686
+HK$485/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,402/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$9,416
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,709
−HK$297/mo
Today · 4.125%
HK$10,006
baseline
▲ 0.50% · 4.625%
HK$10,615
+HK$609/mo
Deposit HK$1.38M · loan HK$2.06M · min. income ≈ HK$20,012/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$10,475
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,756
−HK$285/mo
Today · 4.125%
HK$11,041
baseline
▲ 0.50% · 4.625%
HK$11,623
+HK$582/mo
Deposit HK$1.38M · loan HK$2.06M · min. income ≈ HK$22,082/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$10,985
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,327
−HK$347/mo
Today · 4.125%
HK$11,674
baseline
▲ 0.50% · 4.625%
HK$12,384
+HK$710/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,348/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$12,221
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,549
−HK$332/mo
Today · 4.125%
HK$12,881
baseline
▲ 0.50% · 4.625%
HK$13,560
+HK$679/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,762/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$14,124
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,563
−HK$446/mo
Today · 4.125%
HK$15,009
baseline
▲ 0.50% · 4.625%
HK$15,923
+HK$914/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$30,018/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$15,713
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,134
−HK$427/mo
Today · 4.125%
HK$16,561
baseline
▲ 0.50% · 4.625%
HK$17,434
+HK$873/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$33,122/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).