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$7,824
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,067
−HK$248/mo
Today · 4.125%
HK$8,315
baseline
▲ 0.50% · 4.625%
HK$8,821
+HK$506/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,630/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$8,704
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,938
−HK$236/mo
Today · 4.125%
HK$9,174
baseline
▲ 0.50% · 4.625%
HK$9,658
+HK$484/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,348/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$9,389
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,681
−HK$297/mo
Today · 4.125%
HK$9,978
baseline
▲ 0.50% · 4.625%
HK$10,585
+HK$607/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,956/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,445
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,725
−HK$284/mo
Today · 4.125%
HK$11,009
baseline
▲ 0.50% · 4.625%
HK$11,590
+HK$581/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,018/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,954
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,294
−HK$346/mo
Today · 4.125%
HK$11,640
baseline
▲ 0.50% · 4.625%
HK$12,349
+HK$709/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,280/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$12,186
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,513
−HK$331/mo
Today · 4.125%
HK$12,844
baseline
▲ 0.50% · 4.625%
HK$13,521
+HK$677/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,688/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$14,083
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,521
−HK$445/mo
Today · 4.125%
HK$14,966
baseline
▲ 0.50% · 4.625%
HK$15,877
+HK$911/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$29,932/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,667
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,088
−HK$426/mo
Today · 4.125%
HK$16,514
baseline
▲ 0.50% · 4.625%
HK$17,384
+HK$870/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$33,028/mo (50% DSR)
Upfront cash ≈ HK$343K (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).