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$7,885
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,130
−HK$250/mo
Today · 4.125%
HK$8,380
baseline
▲ 0.50% · 4.625%
HK$8,889
+HK$509/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,760/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$8,772
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,007
−HK$239/mo
Today · 4.125%
HK$9,246
baseline
▲ 0.50% · 4.625%
HK$9,733
+HK$487/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,492/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$9,462
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,756
−HK$299/mo
Today · 4.125%
HK$10,055
baseline
▲ 0.50% · 4.625%
HK$10,667
+HK$612/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,110/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$10,526
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,809
−HK$286/mo
Today · 4.125%
HK$11,095
baseline
▲ 0.50% · 4.625%
HK$11,680
+HK$585/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,190/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$11,039
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,383
−HK$348/mo
Today · 4.125%
HK$11,731
baseline
▲ 0.50% · 4.625%
HK$12,445
+HK$714/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,462/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$12,281
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,610
−HK$334/mo
Today · 4.125%
HK$12,944
baseline
▲ 0.50% · 4.625%
HK$13,627
+HK$683/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,888/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$14,193
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,635
−HK$448/mo
Today · 4.125%
HK$15,083
baseline
▲ 0.50% · 4.625%
HK$16,001
+HK$918/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$30,166/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$15,790
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,213
−HK$430/mo
Today · 4.125%
HK$16,643
baseline
▲ 0.50% · 4.625%
HK$17,520
+HK$877/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$33,286/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).