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$7,850
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,094
−HK$248/mo
Today · 4.125%
HK$8,342
baseline
▲ 0.50% · 4.625%
HK$8,850
+HK$508/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,684/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$8,733
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,967
−HK$238/mo
Today · 4.125%
HK$9,205
baseline
▲ 0.50% · 4.625%
HK$9,690
+HK$485/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,410/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$9,420
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,713
−HK$297/mo
Today · 4.125%
HK$10,010
baseline
▲ 0.50% · 4.625%
HK$10,619
+HK$609/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,020/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$10,479
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,760
−HK$285/mo
Today · 4.125%
HK$11,045
baseline
▲ 0.50% · 4.625%
HK$11,628
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,090/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$10,990
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,331
−HK$348/mo
Today · 4.125%
HK$11,679
baseline
▲ 0.50% · 4.625%
HK$12,389
+HK$710/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,358/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$12,226
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,554
−HK$332/mo
Today · 4.125%
HK$12,886
baseline
▲ 0.50% · 4.625%
HK$13,566
+HK$680/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,772/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$14,129
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,569
−HK$447/mo
Today · 4.125%
HK$15,016
baseline
▲ 0.50% · 4.625%
HK$15,929
+HK$913/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$30,032/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$15,719
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,140
−HK$428/mo
Today · 4.125%
HK$16,568
baseline
▲ 0.50% · 4.625%
HK$17,441
+HK$873/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$33,136/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).