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$7,827
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,071
−HK$247/mo
Today · 4.125%
HK$8,318
baseline
▲ 0.50% · 4.625%
HK$8,824
+HK$506/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,636/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$8,708
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,941
−HK$237/mo
Today · 4.125%
HK$9,178
baseline
▲ 0.50% · 4.625%
HK$9,662
+HK$484/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,356/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$9,392
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,685
−HK$296/mo
Today · 4.125%
HK$9,981
baseline
▲ 0.50% · 4.625%
HK$10,589
+HK$608/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,962/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$10,449
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,729
−HK$285/mo
Today · 4.125%
HK$11,014
baseline
▲ 0.50% · 4.625%
HK$11,594
+HK$580/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,028/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$10,958
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,299
−HK$346/mo
Today · 4.125%
HK$11,645
baseline
▲ 0.50% · 4.625%
HK$12,354
+HK$709/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,290/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$12,191
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,518
−HK$331/mo
Today · 4.125%
HK$12,849
baseline
▲ 0.50% · 4.625%
HK$13,526
+HK$677/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,698/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$14,089
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,527
−HK$445/mo
Today · 4.125%
HK$14,972
baseline
▲ 0.50% · 4.625%
HK$15,883
+HK$911/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$29,944/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$15,674
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,094
−HK$426/mo
Today · 4.125%
HK$16,520
baseline
▲ 0.50% · 4.625%
HK$17,391
+HK$871/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$33,040/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).