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$7,884
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,129
−HK$249/mo
Today · 4.125%
HK$8,378
baseline
▲ 0.50% · 4.625%
HK$8,888
+HK$510/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,756/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$8,771
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,006
−HK$239/mo
Today · 4.125%
HK$9,245
baseline
▲ 0.50% · 4.625%
HK$9,732
+HK$487/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,490/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$9,461
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,755
−HK$299/mo
Today · 4.125%
HK$10,054
baseline
▲ 0.50% · 4.625%
HK$10,666
+HK$612/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,108/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$10,525
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,807
−HK$287/mo
Today · 4.125%
HK$11,094
baseline
▲ 0.50% · 4.625%
HK$11,678
+HK$584/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,188/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$11,038
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,381
−HK$349/mo
Today · 4.125%
HK$11,730
baseline
▲ 0.50% · 4.625%
HK$12,443
+HK$713/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,460/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$12,279
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,608
−HK$335/mo
Today · 4.125%
HK$12,943
baseline
▲ 0.50% · 4.625%
HK$13,625
+HK$682/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,886/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$14,191
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,633
−HK$448/mo
Today · 4.125%
HK$15,081
baseline
▲ 0.50% · 4.625%
HK$15,999
+HK$918/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$30,162/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$15,787
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,211
−HK$429/mo
Today · 4.125%
HK$16,640
baseline
▲ 0.50% · 4.625%
HK$17,518
+HK$878/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$33,280/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).