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$7,848
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,092
−HK$248/mo
Today · 4.125%
HK$8,340
baseline
▲ 0.50% · 4.625%
HK$8,847
+HK$507/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,680/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$8,731
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,965
−HK$237/mo
Today · 4.125%
HK$9,202
baseline
▲ 0.50% · 4.625%
HK$9,687
+HK$485/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,404/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$9,417
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,710
−HK$298/mo
Today · 4.125%
HK$10,008
baseline
▲ 0.50% · 4.625%
HK$10,617
+HK$609/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,016/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$10,477
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,758
−HK$285/mo
Today · 4.125%
HK$11,043
baseline
▲ 0.50% · 4.625%
HK$11,625
+HK$582/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,086/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$10,987
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,329
−HK$347/mo
Today · 4.125%
HK$11,676
baseline
▲ 0.50% · 4.625%
HK$12,386
+HK$710/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,352/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$12,223
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,551
−HK$332/mo
Today · 4.125%
HK$12,883
baseline
▲ 0.50% · 4.625%
HK$13,562
+HK$679/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,766/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$14,126
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,566
−HK$446/mo
Today · 4.125%
HK$15,012
baseline
▲ 0.50% · 4.625%
HK$15,925
+HK$913/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$30,024/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$15,715
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,137
−HK$427/mo
Today · 4.125%
HK$16,564
baseline
▲ 0.50% · 4.625%
HK$17,437
+HK$873/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$33,128/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).