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$7,893
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,138
−HK$250/mo
Today · 4.125%
HK$8,388
baseline
▲ 0.50% · 4.625%
HK$8,898
+HK$510/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,776/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$8,780
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,016
−HK$239/mo
Today · 4.125%
HK$9,255
baseline
▲ 0.50% · 4.625%
HK$9,743
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,510/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$9,471
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,766
−HK$299/mo
Today · 4.125%
HK$10,065
baseline
▲ 0.50% · 4.625%
HK$10,677
+HK$612/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$20,130/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$10,536
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,819
−HK$287/mo
Today · 4.125%
HK$11,106
baseline
▲ 0.50% · 4.625%
HK$11,691
+HK$585/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$22,212/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$11,050
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,393
−HK$350/mo
Today · 4.125%
HK$11,743
baseline
▲ 0.50% · 4.625%
HK$12,457
+HK$714/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,486/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$12,293
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,622
−HK$335/mo
Today · 4.125%
HK$12,957
baseline
▲ 0.50% · 4.625%
HK$13,640
+HK$683/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,914/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$14,207
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,649
−HK$449/mo
Today · 4.125%
HK$15,098
baseline
▲ 0.50% · 4.625%
HK$16,016
+HK$918/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$30,196/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$15,805
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,229
−HK$430/mo
Today · 4.125%
HK$16,659
baseline
▲ 0.50% · 4.625%
HK$17,537
+HK$878/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$33,318/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).