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$7,869
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,114
−HK$249/mo
Today · 4.125%
HK$8,363
baseline
▲ 0.50% · 4.625%
HK$8,871
+HK$508/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,726/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$8,754
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,989
−HK$238/mo
Today · 4.125%
HK$9,227
baseline
▲ 0.50% · 4.625%
HK$9,714
+HK$487/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,454/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$9,443
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,737
−HK$298/mo
Today · 4.125%
HK$10,035
baseline
▲ 0.50% · 4.625%
HK$10,646
+HK$611/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,070/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$10,505
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,787
−HK$286/mo
Today · 4.125%
HK$11,073
baseline
▲ 0.50% · 4.625%
HK$11,656
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,146/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$11,017
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,359
−HK$349/mo
Today · 4.125%
HK$11,708
baseline
▲ 0.50% · 4.625%
HK$12,420
+HK$712/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,416/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$12,256
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,585
−HK$333/mo
Today · 4.125%
HK$12,918
baseline
▲ 0.50% · 4.625%
HK$13,599
+HK$681/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,836/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$14,164
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,605
−HK$448/mo
Today · 4.125%
HK$15,053
baseline
▲ 0.50% · 4.625%
HK$15,969
+HK$916/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$30,106/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$15,758
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,180
−HK$429/mo
Today · 4.125%
HK$16,609
baseline
▲ 0.50% · 4.625%
HK$17,485
+HK$876/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$33,218/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).