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$7,905
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,151
−HK$250/mo
Today · 4.125%
HK$8,401
baseline
▲ 0.50% · 4.625%
HK$8,912
+HK$511/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,802/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,795
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,030
−HK$240/mo
Today · 4.125%
HK$9,270
baseline
▲ 0.50% · 4.625%
HK$9,758
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,540/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,486
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,781
−HK$300/mo
Today · 4.125%
HK$10,081
baseline
▲ 0.50% · 4.625%
HK$10,695
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,162/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,553
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,836
−HK$288/mo
Today · 4.125%
HK$11,124
baseline
▲ 0.50% · 4.625%
HK$11,710
+HK$586/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,248/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,067
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,412
−HK$349/mo
Today · 4.125%
HK$11,761
baseline
▲ 0.50% · 4.625%
HK$12,477
+HK$716/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,522/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,312
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,643
−HK$334/mo
Today · 4.125%
HK$12,977
baseline
▲ 0.50% · 4.625%
HK$13,662
+HK$685/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,954/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,229
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,672
−HK$450/mo
Today · 4.125%
HK$15,122
baseline
▲ 0.50% · 4.625%
HK$16,042
+HK$920/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,244/mo (50% DSR)
Upfront cash ≈ HK$347K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,830
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,255
−HK$430/mo
Today · 4.125%
HK$16,685
baseline
▲ 0.50% · 4.625%
HK$17,565
+HK$880/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,370/mo (50% DSR)
Upfront cash ≈ HK$347K (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).