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$7,876
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,121
−HK$249/mo
Today · 4.125%
HK$8,370
baseline
▲ 0.50% · 4.625%
HK$8,880
+HK$510/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,740/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$8,762
−HK$474/mo
▼ 0.25% · 3.875%
HK$8,997
−HK$239/mo
Today · 4.125%
HK$9,236
baseline
▲ 0.50% · 4.625%
HK$9,723
+HK$487/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,472/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$9,452
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,746
−HK$298/mo
Today · 4.125%
HK$10,044
baseline
▲ 0.50% · 4.625%
HK$10,656
+HK$612/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,088/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$10,515
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,797
−HK$286/mo
Today · 4.125%
HK$11,083
baseline
▲ 0.50% · 4.625%
HK$11,667
+HK$584/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,166/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$11,027
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,370
−HK$348/mo
Today · 4.125%
HK$11,718
baseline
▲ 0.50% · 4.625%
HK$12,432
+HK$714/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,436/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$12,267
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,596
−HK$334/mo
Today · 4.125%
HK$12,930
baseline
▲ 0.50% · 4.625%
HK$13,612
+HK$682/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,860/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$14,178
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,619
−HK$448/mo
Today · 4.125%
HK$15,067
baseline
▲ 0.50% · 4.625%
HK$15,983
+HK$916/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$30,134/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$15,772
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,195
−HK$430/mo
Today · 4.125%
HK$16,625
baseline
▲ 0.50% · 4.625%
HK$17,501
+HK$876/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$33,250/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).