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$7,862
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,106
−HK$249/mo
Today · 4.125%
HK$8,355
baseline
▲ 0.50% · 4.625%
HK$8,863
+HK$508/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,710/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$8,746
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,981
−HK$238/mo
Today · 4.125%
HK$9,219
baseline
▲ 0.50% · 4.625%
HK$9,705
+HK$486/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,438/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$9,434
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,728
−HK$298/mo
Today · 4.125%
HK$10,026
baseline
▲ 0.50% · 4.625%
HK$10,636
+HK$610/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,052/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$10,495
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,777
−HK$286/mo
Today · 4.125%
HK$11,063
baseline
▲ 0.50% · 4.625%
HK$11,646
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,126/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$11,007
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,349
−HK$348/mo
Today · 4.125%
HK$11,697
baseline
▲ 0.50% · 4.625%
HK$12,409
+HK$712/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,394/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$12,245
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,573
−HK$333/mo
Today · 4.125%
HK$12,906
baseline
▲ 0.50% · 4.625%
HK$13,587
+HK$681/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,812/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$14,151
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,592
−HK$447/mo
Today · 4.125%
HK$15,039
baseline
▲ 0.50% · 4.625%
HK$15,954
+HK$915/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$30,078/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$15,743
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,165
−HK$429/mo
Today · 4.125%
HK$16,594
baseline
▲ 0.50% · 4.625%
HK$17,468
+HK$874/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$33,188/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).