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$7,891
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,137
−HK$249/mo
Today · 4.125%
HK$8,386
baseline
▲ 0.50% · 4.625%
HK$8,897
+HK$511/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,772/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$8,779
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,015
−HK$238/mo
Today · 4.125%
HK$9,253
baseline
▲ 0.50% · 4.625%
HK$9,741
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,506/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$9,470
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,764
−HK$300/mo
Today · 4.125%
HK$10,064
baseline
▲ 0.50% · 4.625%
HK$10,676
+HK$612/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$20,128/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$10,535
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,818
−HK$286/mo
Today · 4.125%
HK$11,104
baseline
▲ 0.50% · 4.625%
HK$11,690
+HK$586/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$22,208/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$11,048
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,392
−HK$349/mo
Today · 4.125%
HK$11,741
baseline
▲ 0.50% · 4.625%
HK$12,455
+HK$714/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,482/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$12,291
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,620
−HK$335/mo
Today · 4.125%
HK$12,955
baseline
▲ 0.50% · 4.625%
HK$13,638
+HK$683/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,910/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$14,205
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,646
−HK$449/mo
Today · 4.125%
HK$15,095
baseline
▲ 0.50% · 4.625%
HK$16,014
+HK$919/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$30,190/mo (50% DSR)
Upfront cash ≈ HK$346K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,803
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,226
−HK$430/mo
Today · 4.125%
HK$16,656
baseline
▲ 0.50% · 4.625%
HK$17,534
+HK$878/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$33,312/mo (50% DSR)
Upfront cash ≈ HK$346K (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).