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$7,907
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,153
−HK$250/mo
Today · 4.125%
HK$8,403
baseline
▲ 0.50% · 4.625%
HK$8,915
+HK$512/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,806/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$8,797
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,033
−HK$239/mo
Today · 4.125%
HK$9,272
baseline
▲ 0.50% · 4.625%
HK$9,761
+HK$489/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,544/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$9,489
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,784
−HK$300/mo
Today · 4.125%
HK$10,084
baseline
▲ 0.50% · 4.625%
HK$10,697
+HK$613/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,168/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,556
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,839
−HK$288/mo
Today · 4.125%
HK$11,127
baseline
▲ 0.50% · 4.625%
HK$11,713
+HK$586/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,254/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,070
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,415
−HK$350/mo
Today · 4.125%
HK$11,765
baseline
▲ 0.50% · 4.625%
HK$12,480
+HK$715/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,530/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$12,316
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,646
−HK$335/mo
Today · 4.125%
HK$12,981
baseline
▲ 0.50% · 4.625%
HK$13,665
+HK$684/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,962/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$14,233
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,676
−HK$450/mo
Today · 4.125%
HK$15,126
baseline
▲ 0.50% · 4.625%
HK$16,046
+HK$920/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,252/mo (50% DSR)
Upfront cash ≈ HK$347K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,834
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,259
−HK$431/mo
Today · 4.125%
HK$16,690
baseline
▲ 0.50% · 4.625%
HK$17,570
+HK$880/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,380/mo (50% DSR)
Upfront cash ≈ HK$347K (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).