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$7,910
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,156
−HK$250/mo
Today · 4.125%
HK$8,406
baseline
▲ 0.50% · 4.625%
HK$8,917
+HK$511/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,812/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$8,799
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,035
−HK$240/mo
Today · 4.125%
HK$9,275
baseline
▲ 0.50% · 4.625%
HK$9,764
+HK$489/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,550/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$9,492
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,787
−HK$300/mo
Today · 4.125%
HK$10,087
baseline
▲ 0.50% · 4.625%
HK$10,701
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,174/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$10,559
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,842
−HK$288/mo
Today · 4.125%
HK$11,130
baseline
▲ 0.50% · 4.625%
HK$11,716
+HK$586/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,260/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$11,074
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,418
−HK$350/mo
Today · 4.125%
HK$11,768
baseline
▲ 0.50% · 4.625%
HK$12,484
+HK$716/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,536/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$12,319
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,650
−HK$335/mo
Today · 4.125%
HK$12,985
baseline
▲ 0.50% · 4.625%
HK$13,669
+HK$684/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,970/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$14,237
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,680
−HK$450/mo
Today · 4.125%
HK$15,130
baseline
▲ 0.50% · 4.625%
HK$16,051
+HK$921/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,260/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$15,839
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,264
−HK$431/mo
Today · 4.125%
HK$16,695
baseline
▲ 0.50% · 4.625%
HK$17,575
+HK$880/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,390/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).