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$7,910
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,156
−HK$250/mo
Today · 4.125%
HK$8,406
baseline
▲ 0.50% · 4.625%
HK$8,918
+HK$512/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,812/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$8,800
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,036
−HK$240/mo
Today · 4.125%
HK$9,276
baseline
▲ 0.50% · 4.625%
HK$9,764
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,552/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$9,492
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,788
−HK$300/mo
Today · 4.125%
HK$10,088
baseline
▲ 0.50% · 4.625%
HK$10,701
+HK$613/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,176/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$10,560
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,843
−HK$288/mo
Today · 4.125%
HK$11,131
baseline
▲ 0.50% · 4.625%
HK$11,717
+HK$586/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,262/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$11,074
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,419
−HK$350/mo
Today · 4.125%
HK$11,769
baseline
▲ 0.50% · 4.625%
HK$12,485
+HK$716/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,538/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$12,320
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,651
−HK$335/mo
Today · 4.125%
HK$12,986
baseline
▲ 0.50% · 4.625%
HK$13,670
+HK$684/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,972/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$14,238
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,681
−HK$450/mo
Today · 4.125%
HK$15,131
baseline
▲ 0.50% · 4.625%
HK$16,052
+HK$921/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,262/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$15,840
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,265
−HK$431/mo
Today · 4.125%
HK$16,696
baseline
▲ 0.50% · 4.625%
HK$17,576
+HK$880/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,392/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).