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$7,911
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,157
−HK$250/mo
Today · 4.125%
HK$8,407
baseline
▲ 0.50% · 4.625%
HK$8,919
+HK$512/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,814/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$8,801
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,037
−HK$240/mo
Today · 4.125%
HK$9,277
baseline
▲ 0.50% · 4.625%
HK$9,766
+HK$489/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,554/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$9,493
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,789
−HK$300/mo
Today · 4.125%
HK$10,089
baseline
▲ 0.50% · 4.625%
HK$10,703
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,178/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$10,561
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,845
−HK$287/mo
Today · 4.125%
HK$11,132
baseline
▲ 0.50% · 4.625%
HK$11,719
+HK$587/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,264/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$11,076
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,420
−HK$350/mo
Today · 4.125%
HK$11,770
baseline
▲ 0.50% · 4.625%
HK$12,486
+HK$716/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,540/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$12,322
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,652
−HK$335/mo
Today · 4.125%
HK$12,987
baseline
▲ 0.50% · 4.625%
HK$13,672
+HK$685/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,974/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$14,240
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,683
−HK$450/mo
Today · 4.125%
HK$15,133
baseline
▲ 0.50% · 4.625%
HK$16,054
+HK$921/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,266/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$15,842
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,267
−HK$431/mo
Today · 4.125%
HK$16,698
baseline
▲ 0.50% · 4.625%
HK$17,578
+HK$880/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,396/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).