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$7,890
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,136
−HK$249/mo
Today · 4.125%
HK$8,385
baseline
▲ 0.50% · 4.625%
HK$8,895
+HK$510/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,770/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$8,778
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,013
−HK$239/mo
Today · 4.125%
HK$9,252
baseline
▲ 0.50% · 4.625%
HK$9,740
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,504/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$9,469
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,763
−HK$299/mo
Today · 4.125%
HK$10,062
baseline
▲ 0.50% · 4.625%
HK$10,675
+HK$613/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$20,124/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$10,534
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,816
−HK$287/mo
Today · 4.125%
HK$11,103
baseline
▲ 0.50% · 4.625%
HK$11,688
+HK$585/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$22,206/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$11,047
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,390
−HK$349/mo
Today · 4.125%
HK$11,739
baseline
▲ 0.50% · 4.625%
HK$12,454
+HK$715/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,478/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$12,289
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,619
−HK$334/mo
Today · 4.125%
HK$12,953
baseline
▲ 0.50% · 4.625%
HK$13,636
+HK$683/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,906/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$14,203
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,645
−HK$448/mo
Today · 4.125%
HK$15,093
baseline
▲ 0.50% · 4.625%
HK$16,012
+HK$919/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$30,186/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$15,801
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,224
−HK$430/mo
Today · 4.125%
HK$16,654
baseline
▲ 0.50% · 4.625%
HK$17,532
+HK$878/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$33,308/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).