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$7,835
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,079
−HK$247/mo
Today · 4.125%
HK$8,326
baseline
▲ 0.50% · 4.625%
HK$8,833
+HK$507/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,652/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$8,717
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,950
−HK$237/mo
Today · 4.125%
HK$9,187
baseline
▲ 0.50% · 4.625%
HK$9,672
+HK$485/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,374/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$9,402
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,695
−HK$297/mo
Today · 4.125%
HK$9,992
baseline
▲ 0.50% · 4.625%
HK$10,600
+HK$608/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,984/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$10,460
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,740
−HK$285/mo
Today · 4.125%
HK$11,025
baseline
▲ 0.50% · 4.625%
HK$11,606
+HK$581/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,050/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$10,969
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,310
−HK$347/mo
Today · 4.125%
HK$11,657
baseline
▲ 0.50% · 4.625%
HK$12,366
+HK$709/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,314/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$12,203
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,530
−HK$332/mo
Today · 4.125%
HK$12,862
baseline
▲ 0.50% · 4.625%
HK$13,540
+HK$678/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,724/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$14,103
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,542
−HK$446/mo
Today · 4.125%
HK$14,988
baseline
▲ 0.50% · 4.625%
HK$15,900
+HK$912/mo
Deposit HK$344K · loan HK$3.09M · min. income ≈ HK$29,976/mo (50% DSR)
Upfront cash ≈ HK$344K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,690
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,111
−HK$426/mo
Today · 4.125%
HK$16,537
baseline
▲ 0.50% · 4.625%
HK$17,409
+HK$872/mo
Deposit HK$344K · loan HK$3.09M · min. income ≈ HK$33,074/mo (50% DSR)
Upfront cash ≈ HK$344K (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).