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$7,865
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,110
−HK$248/mo
Today · 4.125%
HK$8,358
baseline
▲ 0.50% · 4.625%
HK$8,867
+HK$509/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,716/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$8,750
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,984
−HK$238/mo
Today · 4.125%
HK$9,222
baseline
▲ 0.50% · 4.625%
HK$9,709
+HK$487/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,444/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$9,438
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,732
−HK$298/mo
Today · 4.125%
HK$10,030
baseline
▲ 0.50% · 4.625%
HK$10,640
+HK$610/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,060/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$10,500
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,781
−HK$286/mo
Today · 4.125%
HK$11,067
baseline
▲ 0.50% · 4.625%
HK$11,650
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,134/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$11,011
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,353
−HK$348/mo
Today · 4.125%
HK$11,701
baseline
▲ 0.50% · 4.625%
HK$12,413
+HK$712/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,402/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$12,250
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,578
−HK$333/mo
Today · 4.125%
HK$12,911
baseline
▲ 0.50% · 4.625%
HK$13,592
+HK$681/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,822/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$14,157
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,597
−HK$448/mo
Today · 4.125%
HK$15,045
baseline
▲ 0.50% · 4.625%
HK$15,960
+HK$915/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$30,090/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$15,750
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,172
−HK$428/mo
Today · 4.125%
HK$16,600
baseline
▲ 0.50% · 4.625%
HK$17,475
+HK$875/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$33,200/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).