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$7,853
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,097
−HK$248/mo
Today · 4.125%
HK$8,345
baseline
▲ 0.50% · 4.625%
HK$8,853
+HK$508/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,690/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$8,736
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,971
−HK$237/mo
Today · 4.125%
HK$9,208
baseline
▲ 0.50% · 4.625%
HK$9,694
+HK$486/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,416/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$9,424
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,717
−HK$297/mo
Today · 4.125%
HK$10,014
baseline
▲ 0.50% · 4.625%
HK$10,624
+HK$610/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,028/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$10,484
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,765
−HK$285/mo
Today · 4.125%
HK$11,050
baseline
▲ 0.50% · 4.625%
HK$11,632
+HK$582/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,100/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$10,994
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,336
−HK$348/mo
Today · 4.125%
HK$11,684
baseline
▲ 0.50% · 4.625%
HK$12,394
+HK$710/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,368/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$12,231
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,559
−HK$333/mo
Today · 4.125%
HK$12,892
baseline
▲ 0.50% · 4.625%
HK$13,571
+HK$679/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,784/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$14,135
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,575
−HK$447/mo
Today · 4.125%
HK$15,022
baseline
▲ 0.50% · 4.625%
HK$15,936
+HK$914/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$30,044/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$15,725
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,147
−HK$428/mo
Today · 4.125%
HK$16,575
baseline
▲ 0.50% · 4.625%
HK$17,449
+HK$874/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$33,150/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).