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$7,904
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,150
−HK$250/mo
Today · 4.125%
HK$8,400
baseline
▲ 0.50% · 4.625%
HK$8,911
+HK$511/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,800/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$8,793
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,029
−HK$239/mo
Today · 4.125%
HK$9,268
baseline
▲ 0.50% · 4.625%
HK$9,757
+HK$489/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,536/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$9,485
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,780
−HK$300/mo
Today · 4.125%
HK$10,080
baseline
▲ 0.50% · 4.625%
HK$10,693
+HK$613/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,160/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$10,552
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,835
−HK$287/mo
Today · 4.125%
HK$11,122
baseline
▲ 0.50% · 4.625%
HK$11,708
+HK$586/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,244/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$11,066
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,410
−HK$350/mo
Today · 4.125%
HK$11,760
baseline
▲ 0.50% · 4.625%
HK$12,475
+HK$715/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,520/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$12,311
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,641
−HK$335/mo
Today · 4.125%
HK$12,976
baseline
▲ 0.50% · 4.625%
HK$13,660
+HK$684/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,952/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$14,227
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,670
−HK$450/mo
Today · 4.125%
HK$15,120
baseline
▲ 0.50% · 4.625%
HK$16,040
+HK$920/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,240/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$15,828
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,252
−HK$431/mo
Today · 4.125%
HK$16,683
baseline
▲ 0.50% · 4.625%
HK$17,562
+HK$879/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,366/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).