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$7,883
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,128
−HK$249/mo
Today · 4.125%
HK$8,377
baseline
▲ 0.50% · 4.625%
HK$8,887
+HK$510/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,754/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$8,770
−HK$473/mo
▼ 0.25% · 3.875%
HK$9,005
−HK$238/mo
Today · 4.125%
HK$9,243
baseline
▲ 0.50% · 4.625%
HK$9,731
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,486/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$9,459
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,754
−HK$299/mo
Today · 4.125%
HK$10,053
baseline
▲ 0.50% · 4.625%
HK$10,664
+HK$611/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,106/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$10,524
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,806
−HK$286/mo
Today · 4.125%
HK$11,092
baseline
▲ 0.50% · 4.625%
HK$11,677
+HK$585/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,184/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$11,036
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,379
−HK$349/mo
Today · 4.125%
HK$11,728
baseline
▲ 0.50% · 4.625%
HK$12,442
+HK$714/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,456/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$12,277
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,607
−HK$334/mo
Today · 4.125%
HK$12,941
baseline
▲ 0.50% · 4.625%
HK$13,623
+HK$682/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,882/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$14,189
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,631
−HK$448/mo
Today · 4.125%
HK$15,079
baseline
▲ 0.50% · 4.625%
HK$15,997
+HK$918/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$30,158/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$15,785
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,209
−HK$429/mo
Today · 4.125%
HK$16,638
baseline
▲ 0.50% · 4.625%
HK$17,515
+HK$877/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$33,276/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).