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$7,906
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,152
−HK$250/mo
Today · 4.125%
HK$8,402
baseline
▲ 0.50% · 4.625%
HK$8,913
+HK$511/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,804/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$8,796
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,032
−HK$239/mo
Today · 4.125%
HK$9,271
baseline
▲ 0.50% · 4.625%
HK$9,759
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,542/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$9,487
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,783
−HK$299/mo
Today · 4.125%
HK$10,082
baseline
▲ 0.50% · 4.625%
HK$10,696
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,164/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,555
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,838
−HK$287/mo
Today · 4.125%
HK$11,125
baseline
▲ 0.50% · 4.625%
HK$11,711
+HK$586/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,250/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,069
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,413
−HK$350/mo
Today · 4.125%
HK$11,763
baseline
▲ 0.50% · 4.625%
HK$12,479
+HK$716/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,526/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$12,314
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,644
−HK$335/mo
Today · 4.125%
HK$12,979
baseline
▲ 0.50% · 4.625%
HK$13,663
+HK$684/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,958/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$14,231
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,674
−HK$450/mo
Today · 4.125%
HK$15,124
baseline
▲ 0.50% · 4.625%
HK$16,044
+HK$920/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,248/mo (50% DSR)
Upfront cash ≈ HK$347K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,832
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,257
−HK$430/mo
Today · 4.125%
HK$16,687
baseline
▲ 0.50% · 4.625%
HK$17,567
+HK$880/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,374/mo (50% DSR)
Upfront cash ≈ HK$347K (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).