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$7,887
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,132
−HK$249/mo
Today · 4.125%
HK$8,381
baseline
▲ 0.50% · 4.625%
HK$8,891
+HK$510/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,762/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$8,774
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,009
−HK$239/mo
Today · 4.125%
HK$9,248
baseline
▲ 0.50% · 4.625%
HK$9,736
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,496/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$9,464
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,759
−HK$299/mo
Today · 4.125%
HK$10,058
baseline
▲ 0.50% · 4.625%
HK$10,670
+HK$612/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$20,116/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$10,529
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,811
−HK$287/mo
Today · 4.125%
HK$11,098
baseline
▲ 0.50% · 4.625%
HK$11,683
+HK$585/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$22,196/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$11,042
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,385
−HK$349/mo
Today · 4.125%
HK$11,734
baseline
▲ 0.50% · 4.625%
HK$12,448
+HK$714/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,468/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$12,284
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,613
−HK$334/mo
Today · 4.125%
HK$12,947
baseline
▲ 0.50% · 4.625%
HK$13,630
+HK$683/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,894/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$14,196
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,638
−HK$449/mo
Today · 4.125%
HK$15,087
baseline
▲ 0.50% · 4.625%
HK$16,005
+HK$918/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$30,174/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$15,793
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,217
−HK$430/mo
Today · 4.125%
HK$16,647
baseline
▲ 0.50% · 4.625%
HK$17,524
+HK$877/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$33,294/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).