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$7,846
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,090
−HK$248/mo
Today · 4.125%
HK$8,338
baseline
▲ 0.50% · 4.625%
HK$8,845
+HK$507/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,676/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,729
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,963
−HK$237/mo
Today · 4.125%
HK$9,200
baseline
▲ 0.50% · 4.625%
HK$9,685
+HK$485/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,400/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,415
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,708
−HK$298/mo
Today · 4.125%
HK$10,006
baseline
▲ 0.50% · 4.625%
HK$10,614
+HK$608/mo
Deposit HK$1.38M · loan HK$2.06M · min. income ≈ HK$20,012/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$10,474
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,755
−HK$285/mo
Today · 4.125%
HK$11,040
baseline
▲ 0.50% · 4.625%
HK$11,622
+HK$582/mo
Deposit HK$1.38M · loan HK$2.06M · min. income ≈ HK$22,080/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$10,984
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,326
−HK$347/mo
Today · 4.125%
HK$11,673
baseline
▲ 0.50% · 4.625%
HK$12,384
+HK$711/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,346/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,220
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,548
−HK$332/mo
Today · 4.125%
HK$12,880
baseline
▲ 0.50% · 4.625%
HK$13,559
+HK$679/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,760/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,123
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,562
−HK$446/mo
Today · 4.125%
HK$15,008
baseline
▲ 0.50% · 4.625%
HK$15,922
+HK$914/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$30,016/mo (50% DSR)
Upfront cash ≈ HK$344K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,711
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,133
−HK$427/mo
Today · 4.125%
HK$16,560
baseline
▲ 0.50% · 4.625%
HK$17,433
+HK$873/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$33,120/mo (50% DSR)
Upfront cash ≈ HK$344K (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).