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$7,870
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,115
−HK$249/mo
Today · 4.125%
HK$8,364
baseline
▲ 0.50% · 4.625%
HK$8,873
+HK$509/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,728/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$8,756
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,991
−HK$238/mo
Today · 4.125%
HK$9,229
baseline
▲ 0.50% · 4.625%
HK$9,715
+HK$486/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,458/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$9,445
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,738
−HK$299/mo
Today · 4.125%
HK$10,037
baseline
▲ 0.50% · 4.625%
HK$10,647
+HK$610/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,074/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$10,507
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,789
−HK$286/mo
Today · 4.125%
HK$11,075
baseline
▲ 0.50% · 4.625%
HK$11,658
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,150/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$11,019
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,361
−HK$349/mo
Today · 4.125%
HK$11,710
baseline
▲ 0.50% · 4.625%
HK$12,422
+HK$712/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,420/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$12,258
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,587
−HK$333/mo
Today · 4.125%
HK$12,920
baseline
▲ 0.50% · 4.625%
HK$13,601
+HK$681/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,840/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$14,167
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,607
−HK$448/mo
Today · 4.125%
HK$15,055
baseline
▲ 0.50% · 4.625%
HK$15,971
+HK$916/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$30,110/mo (50% DSR)
Upfront cash ≈ HK$345K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,760
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,183
−HK$429/mo
Today · 4.125%
HK$16,612
baseline
▲ 0.50% · 4.625%
HK$17,488
+HK$876/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$33,224/mo (50% DSR)
Upfront cash ≈ HK$345K (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).