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$7,851
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,095
−HK$248/mo
Today · 4.125%
HK$8,343
baseline
▲ 0.50% · 4.625%
HK$8,851
+HK$508/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$8,734
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,968
−HK$238/mo
Today · 4.125%
HK$9,206
baseline
▲ 0.50% · 4.625%
HK$9,691
+HK$485/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,412/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$9,421
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,714
−HK$298/mo
Today · 4.125%
HK$10,012
baseline
▲ 0.50% · 4.625%
HK$10,621
+HK$609/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,024/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$10,481
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,762
−HK$285/mo
Today · 4.125%
HK$11,047
baseline
▲ 0.50% · 4.625%
HK$11,630
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,094/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$10,991
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,333
−HK$348/mo
Today · 4.125%
HK$11,681
baseline
▲ 0.50% · 4.625%
HK$12,391
+HK$710/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,362/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$12,228
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,556
−HK$333/mo
Today · 4.125%
HK$12,889
baseline
▲ 0.50% · 4.625%
HK$13,568
+HK$679/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,778/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$14,132
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,571
−HK$447/mo
Today · 4.125%
HK$15,018
baseline
▲ 0.50% · 4.625%
HK$15,932
+HK$914/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$30,036/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$15,722
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,143
−HK$428/mo
Today · 4.125%
HK$16,571
baseline
▲ 0.50% · 4.625%
HK$17,444
+HK$873/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$33,142/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).