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$7,840
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,083
−HK$248/mo
Today · 4.125%
HK$8,331
baseline
▲ 0.50% · 4.625%
HK$8,838
+HK$507/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,662/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,721
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,955
−HK$238/mo
Today · 4.125%
HK$9,193
baseline
▲ 0.50% · 4.625%
HK$9,677
+HK$484/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,386/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,407
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,700
−HK$297/mo
Today · 4.125%
HK$9,997
baseline
▲ 0.50% · 4.625%
HK$10,606
+HK$609/mo
Deposit HK$1.38M · loan HK$2.06M · min. income ≈ HK$19,994/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$10,466
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,746
−HK$285/mo
Today · 4.125%
HK$11,031
baseline
▲ 0.50% · 4.625%
HK$11,613
+HK$582/mo
Deposit HK$1.38M · loan HK$2.06M · min. income ≈ HK$22,062/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$10,975
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,317
−HK$347/mo
Today · 4.125%
HK$11,664
baseline
▲ 0.50% · 4.625%
HK$12,373
+HK$709/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,328/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,210
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,537
−HK$333/mo
Today · 4.125%
HK$12,870
baseline
▲ 0.50% · 4.625%
HK$13,548
+HK$678/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,740/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,111
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,550
−HK$446/mo
Today · 4.125%
HK$14,996
baseline
▲ 0.50% · 4.625%
HK$15,909
+HK$913/mo
Deposit HK$344K · loan HK$3.09M · min. income ≈ HK$29,992/mo (50% DSR)
Upfront cash ≈ HK$344K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,699
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,120
−HK$427/mo
Today · 4.125%
HK$16,547
baseline
▲ 0.50% · 4.625%
HK$17,419
+HK$872/mo
Deposit HK$344K · loan HK$3.09M · min. income ≈ HK$33,094/mo (50% DSR)
Upfront cash ≈ HK$344K (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).