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$7,906
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,152
−HK$250/mo
Today · 4.125%
HK$8,402
baseline
▲ 0.50% · 4.625%
HK$8,913
+HK$511/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,804/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$8,795
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,031
−HK$239/mo
Today · 4.125%
HK$9,270
baseline
▲ 0.50% · 4.625%
HK$9,759
+HK$489/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,540/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$9,487
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,782
−HK$300/mo
Today · 4.125%
HK$10,082
baseline
▲ 0.50% · 4.625%
HK$10,695
+HK$613/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,164/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$10,554
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,837
−HK$287/mo
Today · 4.125%
HK$11,124
baseline
▲ 0.50% · 4.625%
HK$11,711
+HK$587/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,248/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$11,068
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,412
−HK$350/mo
Today · 4.125%
HK$11,762
baseline
▲ 0.50% · 4.625%
HK$12,478
+HK$716/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,524/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$12,313
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,643
−HK$335/mo
Today · 4.125%
HK$12,978
baseline
▲ 0.50% · 4.625%
HK$13,662
+HK$684/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,956/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$14,230
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,673
−HK$450/mo
Today · 4.125%
HK$15,123
baseline
▲ 0.50% · 4.625%
HK$16,043
+HK$920/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,246/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$15,831
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,256
−HK$430/mo
Today · 4.125%
HK$16,686
baseline
▲ 0.50% · 4.625%
HK$17,566
+HK$880/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,372/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).