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$7,880
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,125
−HK$249/mo
Today · 4.125%
HK$8,374
baseline
▲ 0.50% · 4.625%
HK$8,883
+HK$509/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,748/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$8,766
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,001
−HK$239/mo
Today · 4.125%
HK$9,240
baseline
▲ 0.50% · 4.625%
HK$9,727
+HK$487/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,480/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$9,456
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,750
−HK$299/mo
Today · 4.125%
HK$10,049
baseline
▲ 0.50% · 4.625%
HK$10,660
+HK$611/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,098/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$10,519
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,801
−HK$287/mo
Today · 4.125%
HK$11,088
baseline
▲ 0.50% · 4.625%
HK$11,672
+HK$584/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,176/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$11,031
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,375
−HK$348/mo
Today · 4.125%
HK$11,723
baseline
▲ 0.50% · 4.625%
HK$12,437
+HK$714/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,446/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$12,272
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,602
−HK$333/mo
Today · 4.125%
HK$12,935
baseline
▲ 0.50% · 4.625%
HK$13,617
+HK$682/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,870/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$14,183
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,625
−HK$448/mo
Today · 4.125%
HK$15,073
baseline
▲ 0.50% · 4.625%
HK$15,990
+HK$917/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$30,146/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$15,779
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,202
−HK$429/mo
Today · 4.125%
HK$16,631
baseline
▲ 0.50% · 4.625%
HK$17,508
+HK$877/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$33,262/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).