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$7,850
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,095
−HK$248/mo
Today · 4.125%
HK$8,343
baseline
▲ 0.50% · 4.625%
HK$8,850
+HK$507/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,686/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$8,733
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,968
−HK$237/mo
Today · 4.125%
HK$9,205
baseline
▲ 0.50% · 4.625%
HK$9,690
+HK$485/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,410/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$9,420
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,713
−HK$298/mo
Today · 4.125%
HK$10,011
baseline
▲ 0.50% · 4.625%
HK$10,620
+HK$609/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,022/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$10,480
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,761
−HK$285/mo
Today · 4.125%
HK$11,046
baseline
▲ 0.50% · 4.625%
HK$11,629
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,092/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$10,990
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,332
−HK$348/mo
Today · 4.125%
HK$11,680
baseline
▲ 0.50% · 4.625%
HK$12,390
+HK$710/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,360/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$12,227
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,555
−HK$332/mo
Today · 4.125%
HK$12,887
baseline
▲ 0.50% · 4.625%
HK$13,567
+HK$680/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,774/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$14,131
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,570
−HK$447/mo
Today · 4.125%
HK$15,017
baseline
▲ 0.50% · 4.625%
HK$15,930
+HK$913/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$30,034/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$15,720
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,142
−HK$427/mo
Today · 4.125%
HK$16,569
baseline
▲ 0.50% · 4.625%
HK$17,443
+HK$874/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$33,138/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).