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$7,885
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,131
−HK$249/mo
Today · 4.125%
HK$8,380
baseline
▲ 0.50% · 4.625%
HK$8,890
+HK$510/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,760/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$8,772
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,008
−HK$238/mo
Today · 4.125%
HK$9,246
baseline
▲ 0.50% · 4.625%
HK$9,734
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,492/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$9,462
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,757
−HK$299/mo
Today · 4.125%
HK$10,056
baseline
▲ 0.50% · 4.625%
HK$10,668
+HK$612/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,112/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$10,527
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,809
−HK$286/mo
Today · 4.125%
HK$11,095
baseline
▲ 0.50% · 4.625%
HK$11,680
+HK$585/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,190/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$11,039
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,383
−HK$349/mo
Today · 4.125%
HK$11,732
baseline
▲ 0.50% · 4.625%
HK$12,446
+HK$714/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,464/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$12,281
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,611
−HK$334/mo
Today · 4.125%
HK$12,945
baseline
▲ 0.50% · 4.625%
HK$13,627
+HK$682/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,890/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$14,194
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,635
−HK$449/mo
Today · 4.125%
HK$15,084
baseline
▲ 0.50% · 4.625%
HK$16,001
+HK$917/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$30,168/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$15,790
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,214
−HK$429/mo
Today · 4.125%
HK$16,643
baseline
▲ 0.50% · 4.625%
HK$17,521
+HK$878/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$33,286/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).