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$7,825
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,068
−HK$248/mo
Today · 4.125%
HK$8,316
baseline
▲ 0.50% · 4.625%
HK$8,822
+HK$506/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,632/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$8,705
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,939
−HK$237/mo
Today · 4.125%
HK$9,176
baseline
▲ 0.50% · 4.625%
HK$9,659
+HK$483/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,352/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$9,390
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,682
−HK$297/mo
Today · 4.125%
HK$9,979
baseline
▲ 0.50% · 4.625%
HK$10,586
+HK$607/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,958/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,446
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,726
−HK$285/mo
Today · 4.125%
HK$11,011
baseline
▲ 0.50% · 4.625%
HK$11,591
+HK$580/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,022/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,955
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,296
−HK$346/mo
Today · 4.125%
HK$11,642
baseline
▲ 0.50% · 4.625%
HK$12,350
+HK$708/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,284/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$12,187
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,514
−HK$332/mo
Today · 4.125%
HK$12,846
baseline
▲ 0.50% · 4.625%
HK$13,523
+HK$677/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,692/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$14,085
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,523
−HK$445/mo
Today · 4.125%
HK$14,968
baseline
▲ 0.50% · 4.625%
HK$15,879
+HK$911/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$29,936/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,669
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,090
−HK$426/mo
Today · 4.125%
HK$16,516
baseline
▲ 0.50% · 4.625%
HK$17,386
+HK$870/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$33,032/mo (50% DSR)
Upfront cash ≈ HK$343K (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).