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$7,826
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,070
−HK$247/mo
Today · 4.125%
HK$8,317
baseline
▲ 0.50% · 4.625%
HK$8,823
+HK$506/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,634/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$8,707
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,940
−HK$237/mo
Today · 4.125%
HK$9,177
baseline
▲ 0.50% · 4.625%
HK$9,661
+HK$484/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,354/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$9,391
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,684
−HK$296/mo
Today · 4.125%
HK$9,980
baseline
▲ 0.50% · 4.625%
HK$10,588
+HK$608/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,960/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$10,448
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,728
−HK$284/mo
Today · 4.125%
HK$11,012
baseline
▲ 0.50% · 4.625%
HK$11,593
+HK$581/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,024/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$10,957
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,297
−HK$347/mo
Today · 4.125%
HK$11,644
baseline
▲ 0.50% · 4.625%
HK$12,352
+HK$708/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,288/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$12,189
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,516
−HK$332/mo
Today · 4.125%
HK$12,848
baseline
▲ 0.50% · 4.625%
HK$13,525
+HK$677/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,696/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$14,087
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,525
−HK$446/mo
Today · 4.125%
HK$14,971
baseline
▲ 0.50% · 4.625%
HK$15,881
+HK$910/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$29,942/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$15,672
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,092
−HK$426/mo
Today · 4.125%
HK$16,518
baseline
▲ 0.50% · 4.625%
HK$17,389
+HK$871/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$33,036/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).