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$7,858
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,102
−HK$248/mo
Today · 4.125%
HK$8,350
baseline
▲ 0.50% · 4.625%
HK$8,859
+HK$509/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,700/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$8,742
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,976
−HK$238/mo
Today · 4.125%
HK$9,214
baseline
▲ 0.50% · 4.625%
HK$9,700
+HK$486/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,428/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$9,429
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,723
−HK$298/mo
Today · 4.125%
HK$10,021
baseline
▲ 0.50% · 4.625%
HK$10,630
+HK$609/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,042/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$10,490
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,771
−HK$286/mo
Today · 4.125%
HK$11,057
baseline
▲ 0.50% · 4.625%
HK$11,640
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,114/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$11,001
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,343
−HK$348/mo
Today · 4.125%
HK$11,691
baseline
▲ 0.50% · 4.625%
HK$12,402
+HK$711/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,382/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$12,238
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,567
−HK$333/mo
Today · 4.125%
HK$12,900
baseline
▲ 0.50% · 4.625%
HK$13,579
+HK$679/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,800/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$14,144
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,584
−HK$447/mo
Today · 4.125%
HK$15,031
baseline
▲ 0.50% · 4.625%
HK$15,945
+HK$914/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$30,062/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$15,735
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,157
−HK$428/mo
Today · 4.125%
HK$16,585
baseline
▲ 0.50% · 4.625%
HK$17,459
+HK$874/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$33,170/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).