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$7,895
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,140
−HK$250/mo
Today · 4.125%
HK$8,390
baseline
▲ 0.50% · 4.625%
HK$8,900
+HK$510/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,780/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$8,783
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,018
−HK$239/mo
Today · 4.125%
HK$9,257
baseline
▲ 0.50% · 4.625%
HK$9,745
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,514/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$9,473
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,768
−HK$299/mo
Today · 4.125%
HK$10,067
baseline
▲ 0.50% · 4.625%
HK$10,680
+HK$613/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$20,134/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$10,539
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,822
−HK$286/mo
Today · 4.125%
HK$11,108
baseline
▲ 0.50% · 4.625%
HK$11,694
+HK$586/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$22,216/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$11,052
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,396
−HK$349/mo
Today · 4.125%
HK$11,745
baseline
▲ 0.50% · 4.625%
HK$12,460
+HK$715/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,490/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$12,296
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,625
−HK$335/mo
Today · 4.125%
HK$12,960
baseline
▲ 0.50% · 4.625%
HK$13,643
+HK$683/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,920/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$14,210
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,652
−HK$449/mo
Today · 4.125%
HK$15,101
baseline
▲ 0.50% · 4.625%
HK$16,020
+HK$919/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$30,202/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$15,809
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,233
−HK$430/mo
Today · 4.125%
HK$16,663
baseline
▲ 0.50% · 4.625%
HK$17,541
+HK$878/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$33,326/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).