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$7,867
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,111
−HK$249/mo
Today · 4.125%
HK$8,360
baseline
▲ 0.50% · 4.625%
HK$8,869
+HK$509/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,720/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$8,752
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,986
−HK$238/mo
Today · 4.125%
HK$9,224
baseline
▲ 0.50% · 4.625%
HK$9,711
+HK$487/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,448/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$9,440
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,734
−HK$298/mo
Today · 4.125%
HK$10,032
baseline
▲ 0.50% · 4.625%
HK$10,642
+HK$610/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,064/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$10,502
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,784
−HK$285/mo
Today · 4.125%
HK$11,069
baseline
▲ 0.50% · 4.625%
HK$11,653
+HK$584/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,138/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$11,013
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,356
−HK$348/mo
Today · 4.125%
HK$11,704
baseline
▲ 0.50% · 4.625%
HK$12,416
+HK$712/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,408/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$12,252
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,581
−HK$333/mo
Today · 4.125%
HK$12,914
baseline
▲ 0.50% · 4.625%
HK$13,595
+HK$681/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,828/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$14,160
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,601
−HK$447/mo
Today · 4.125%
HK$15,048
baseline
▲ 0.50% · 4.625%
HK$15,964
+HK$916/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$30,096/mo (50% DSR)
Upfront cash ≈ HK$345K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,753
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,175
−HK$429/mo
Today · 4.125%
HK$16,604
baseline
▲ 0.50% · 4.625%
HK$17,479
+HK$875/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$33,208/mo (50% DSR)
Upfront cash ≈ HK$345K (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).