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$7,899
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,145
−HK$249/mo
Today · 4.125%
HK$8,394
baseline
▲ 0.50% · 4.625%
HK$8,905
+HK$511/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,788/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$8,787
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,023
−HK$239/mo
Today · 4.125%
HK$9,262
baseline
▲ 0.50% · 4.625%
HK$9,750
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,524/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$9,479
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,773
−HK$300/mo
Today · 4.125%
HK$10,073
baseline
▲ 0.50% · 4.625%
HK$10,686
+HK$613/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,146/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$10,545
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,828
−HK$287/mo
Today · 4.125%
HK$11,115
baseline
▲ 0.50% · 4.625%
HK$11,700
+HK$585/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,230/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$11,058
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,402
−HK$350/mo
Today · 4.125%
HK$11,752
baseline
▲ 0.50% · 4.625%
HK$12,467
+HK$715/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,504/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$12,302
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,632
−HK$335/mo
Today · 4.125%
HK$12,967
baseline
▲ 0.50% · 4.625%
HK$13,650
+HK$683/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,934/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$14,218
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,660
−HK$449/mo
Today · 4.125%
HK$15,109
baseline
▲ 0.50% · 4.625%
HK$16,029
+HK$920/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$30,218/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$15,817
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,241
−HK$431/mo
Today · 4.125%
HK$16,672
baseline
▲ 0.50% · 4.625%
HK$17,551
+HK$879/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$33,344/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).