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$7,909
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,155
−HK$249/mo
Today · 4.125%
HK$8,404
baseline
▲ 0.50% · 4.625%
HK$8,916
+HK$512/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,808/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$8,798
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,034
−HK$240/mo
Today · 4.125%
HK$9,274
baseline
▲ 0.50% · 4.625%
HK$9,762
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,548/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$9,490
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,785
−HK$300/mo
Today · 4.125%
HK$10,085
baseline
▲ 0.50% · 4.625%
HK$10,699
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,170/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$10,558
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,841
−HK$287/mo
Today · 4.125%
HK$11,128
baseline
▲ 0.50% · 4.625%
HK$11,715
+HK$587/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,256/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$11,072
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,416
−HK$350/mo
Today · 4.125%
HK$11,766
baseline
▲ 0.50% · 4.625%
HK$12,482
+HK$716/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,532/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$12,317
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,648
−HK$335/mo
Today · 4.125%
HK$12,983
baseline
▲ 0.50% · 4.625%
HK$13,667
+HK$684/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,966/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$14,235
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,678
−HK$450/mo
Today · 4.125%
HK$15,128
baseline
▲ 0.50% · 4.625%
HK$16,049
+HK$921/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,256/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$15,837
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,261
−HK$431/mo
Today · 4.125%
HK$16,692
baseline
▲ 0.50% · 4.625%
HK$17,572
+HK$880/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,384/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).