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$7,867
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,112
−HK$248/mo
Today · 4.125%
HK$8,360
baseline
▲ 0.50% · 4.625%
HK$8,869
+HK$509/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,720/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$8,752
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,987
−HK$238/mo
Today · 4.125%
HK$9,225
baseline
▲ 0.50% · 4.625%
HK$9,711
+HK$486/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,450/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$9,440
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,734
−HK$298/mo
Today · 4.125%
HK$10,032
baseline
▲ 0.50% · 4.625%
HK$10,643
+HK$611/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,064/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,502
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,784
−HK$286/mo
Today · 4.125%
HK$11,070
baseline
▲ 0.50% · 4.625%
HK$11,653
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,140/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,014
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,356
−HK$349/mo
Today · 4.125%
HK$11,705
baseline
▲ 0.50% · 4.625%
HK$12,417
+HK$712/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,410/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$12,253
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,581
−HK$334/mo
Today · 4.125%
HK$12,915
baseline
▲ 0.50% · 4.625%
HK$13,596
+HK$681/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,830/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$14,161
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,601
−HK$448/mo
Today · 4.125%
HK$15,049
baseline
▲ 0.50% · 4.625%
HK$15,964
+HK$915/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$30,098/mo (50% DSR)
Upfront cash ≈ HK$345K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,754
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,176
−HK$429/mo
Today · 4.125%
HK$16,605
baseline
▲ 0.50% · 4.625%
HK$17,480
+HK$875/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$33,210/mo (50% DSR)
Upfront cash ≈ HK$345K (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).