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$7,896
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,142
−HK$250/mo
Today · 4.125%
HK$8,392
baseline
▲ 0.50% · 4.625%
HK$8,902
+HK$510/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,784/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$8,785
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,020
−HK$239/mo
Today · 4.125%
HK$9,259
baseline
▲ 0.50% · 4.625%
HK$9,747
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,518/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$9,476
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,771
−HK$299/mo
Today · 4.125%
HK$10,070
baseline
▲ 0.50% · 4.625%
HK$10,683
+HK$613/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,140/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$10,542
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,824
−HK$287/mo
Today · 4.125%
HK$11,111
baseline
▲ 0.50% · 4.625%
HK$11,697
+HK$586/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,222/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$11,055
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,399
−HK$349/mo
Today · 4.125%
HK$11,748
baseline
▲ 0.50% · 4.625%
HK$12,463
+HK$715/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,496/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$12,299
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,629
−HK$334/mo
Today · 4.125%
HK$12,963
baseline
▲ 0.50% · 4.625%
HK$13,646
+HK$683/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,926/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$14,214
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,656
−HK$449/mo
Today · 4.125%
HK$15,105
baseline
▲ 0.50% · 4.625%
HK$16,024
+HK$919/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$30,210/mo (50% DSR)
Upfront cash ≈ HK$346K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,813
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,237
−HK$430/mo
Today · 4.125%
HK$16,667
baseline
▲ 0.50% · 4.625%
HK$17,545
+HK$878/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$33,334/mo (50% DSR)
Upfront cash ≈ HK$346K (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).