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$7,825
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,068
−HK$247/mo
Today · 4.125%
HK$8,315
baseline
▲ 0.50% · 4.625%
HK$8,821
+HK$506/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,630/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$8,705
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,938
−HK$237/mo
Today · 4.125%
HK$9,175
baseline
▲ 0.50% · 4.625%
HK$9,659
+HK$484/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,350/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$9,390
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,682
−HK$296/mo
Today · 4.125%
HK$9,978
baseline
▲ 0.50% · 4.625%
HK$10,586
+HK$608/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,956/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$10,446
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,726
−HK$284/mo
Today · 4.125%
HK$11,010
baseline
▲ 0.50% · 4.625%
HK$11,590
+HK$580/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,020/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$10,954
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,295
−HK$346/mo
Today · 4.125%
HK$11,641
baseline
▲ 0.50% · 4.625%
HK$12,350
+HK$709/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,282/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$12,187
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,514
−HK$331/mo
Today · 4.125%
HK$12,845
baseline
▲ 0.50% · 4.625%
HK$13,522
+HK$677/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,690/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$14,084
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,522
−HK$446/mo
Today · 4.125%
HK$14,968
baseline
▲ 0.50% · 4.625%
HK$15,878
+HK$910/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$29,936/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$15,669
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,089
−HK$426/mo
Today · 4.125%
HK$16,515
baseline
▲ 0.50% · 4.625%
HK$17,386
+HK$871/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$33,030/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).