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$7,911
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,158
−HK$250/mo
Today · 4.125%
HK$8,408
baseline
▲ 0.50% · 4.625%
HK$8,919
+HK$511/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,816/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$8,801
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,037
−HK$240/mo
Today · 4.125%
HK$9,277
baseline
▲ 0.50% · 4.625%
HK$9,766
+HK$489/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,554/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$9,494
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,789
−HK$300/mo
Today · 4.125%
HK$10,089
baseline
▲ 0.50% · 4.625%
HK$10,703
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,178/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$10,562
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,845
−HK$287/mo
Today · 4.125%
HK$11,132
baseline
▲ 0.50% · 4.625%
HK$11,719
+HK$587/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,264/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$11,076
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,421
−HK$350/mo
Today · 4.125%
HK$11,771
baseline
▲ 0.50% · 4.625%
HK$12,487
+HK$716/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,542/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$12,322
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,652
−HK$336/mo
Today · 4.125%
HK$12,988
baseline
▲ 0.50% · 4.625%
HK$13,672
+HK$684/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,976/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$14,241
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,684
−HK$450/mo
Today · 4.125%
HK$15,134
baseline
▲ 0.50% · 4.625%
HK$16,054
+HK$920/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,268/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$15,843
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,267
−HK$431/mo
Today · 4.125%
HK$16,698
baseline
▲ 0.50% · 4.625%
HK$17,579
+HK$881/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,396/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).