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$7,822
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,066
−HK$247/mo
Today · 4.125%
HK$8,313
baseline
▲ 0.50% · 4.625%
HK$8,819
+HK$506/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,626/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$8,702
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,936
−HK$236/mo
Today · 4.125%
HK$9,172
baseline
▲ 0.50% · 4.625%
HK$9,656
+HK$484/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,344/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$9,387
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,679
−HK$296/mo
Today · 4.125%
HK$9,975
baseline
▲ 0.50% · 4.625%
HK$10,582
+HK$607/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,950/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,443
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,723
−HK$284/mo
Today · 4.125%
HK$11,007
baseline
▲ 0.50% · 4.625%
HK$11,587
+HK$580/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,014/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,951
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,292
−HK$346/mo
Today · 4.125%
HK$11,638
baseline
▲ 0.50% · 4.625%
HK$12,346
+HK$708/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,276/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$12,183
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,510
−HK$331/mo
Today · 4.125%
HK$12,841
baseline
▲ 0.50% · 4.625%
HK$13,518
+HK$677/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,682/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$14,080
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,518
−HK$445/mo
Today · 4.125%
HK$14,963
baseline
▲ 0.50% · 4.625%
HK$15,874
+HK$911/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$29,926/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,664
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,084
−HK$426/mo
Today · 4.125%
HK$16,510
baseline
▲ 0.50% · 4.625%
HK$17,381
+HK$871/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$33,020/mo (50% DSR)
Upfront cash ≈ HK$343K (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).