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$7,840
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,084
−HK$248/mo
Today · 4.125%
HK$8,332
baseline
▲ 0.50% · 4.625%
HK$8,839
+HK$507/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,664/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$8,722
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,956
−HK$237/mo
Today · 4.125%
HK$9,193
baseline
▲ 0.50% · 4.625%
HK$9,678
+HK$485/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,386/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$9,408
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,701
−HK$297/mo
Today · 4.125%
HK$9,998
baseline
▲ 0.50% · 4.625%
HK$10,606
+HK$608/mo
Deposit HK$1.38M · loan HK$2.06M · min. income ≈ HK$19,996/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$10,466
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,747
−HK$285/mo
Today · 4.125%
HK$11,032
baseline
▲ 0.50% · 4.625%
HK$11,613
+HK$581/mo
Deposit HK$1.38M · loan HK$2.06M · min. income ≈ HK$22,064/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$10,976
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,318
−HK$346/mo
Today · 4.125%
HK$11,664
baseline
▲ 0.50% · 4.625%
HK$12,374
+HK$710/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,328/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$12,211
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,538
−HK$333/mo
Today · 4.125%
HK$12,871
baseline
▲ 0.50% · 4.625%
HK$13,549
+HK$678/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,742/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$14,112
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,551
−HK$446/mo
Today · 4.125%
HK$14,997
baseline
▲ 0.50% · 4.625%
HK$15,910
+HK$913/mo
Deposit HK$344K · loan HK$3.09M · min. income ≈ HK$29,994/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$15,700
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,121
−HK$427/mo
Today · 4.125%
HK$16,548
baseline
▲ 0.50% · 4.625%
HK$17,420
+HK$872/mo
Deposit HK$344K · loan HK$3.09M · min. income ≈ HK$33,096/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).