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$7,883
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,129
−HK$249/mo
Today · 4.125%
HK$8,378
baseline
▲ 0.50% · 4.625%
HK$8,887
+HK$509/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,756/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$8,770
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,005
−HK$239/mo
Today · 4.125%
HK$9,244
baseline
▲ 0.50% · 4.625%
HK$9,731
+HK$487/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,488/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$9,460
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,754
−HK$299/mo
Today · 4.125%
HK$10,053
baseline
▲ 0.50% · 4.625%
HK$10,665
+HK$612/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,106/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$10,524
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,806
−HK$287/mo
Today · 4.125%
HK$11,093
baseline
▲ 0.50% · 4.625%
HK$11,677
+HK$584/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,186/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$11,037
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,380
−HK$349/mo
Today · 4.125%
HK$11,729
baseline
▲ 0.50% · 4.625%
HK$12,442
+HK$713/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,458/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$12,278
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,607
−HK$334/mo
Today · 4.125%
HK$12,941
baseline
▲ 0.50% · 4.625%
HK$13,624
+HK$683/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,882/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$14,190
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,631
−HK$449/mo
Today · 4.125%
HK$15,080
baseline
▲ 0.50% · 4.625%
HK$15,997
+HK$917/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$30,160/mo (50% DSR)
Upfront cash ≈ HK$346K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,786
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,210
−HK$429/mo
Today · 4.125%
HK$16,639
baseline
▲ 0.50% · 4.625%
HK$17,516
+HK$877/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$33,278/mo (50% DSR)
Upfront cash ≈ HK$346K (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).