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$7,845
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,089
−HK$248/mo
Today · 4.125%
HK$8,337
baseline
▲ 0.50% · 4.625%
HK$8,844
+HK$507/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,674/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$8,727
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,961
−HK$238/mo
Today · 4.125%
HK$9,199
baseline
▲ 0.50% · 4.625%
HK$9,684
+HK$485/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,398/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$9,414
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,707
−HK$297/mo
Today · 4.125%
HK$10,004
baseline
▲ 0.50% · 4.625%
HK$10,613
+HK$609/mo
Deposit HK$1.38M · loan HK$2.06M · min. income ≈ HK$20,008/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$10,473
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,754
−HK$285/mo
Today · 4.125%
HK$11,039
baseline
▲ 0.50% · 4.625%
HK$11,621
+HK$582/mo
Deposit HK$1.38M · loan HK$2.06M · min. income ≈ HK$22,078/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$10,983
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,324
−HK$348/mo
Today · 4.125%
HK$11,672
baseline
▲ 0.50% · 4.625%
HK$12,382
+HK$710/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,344/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$12,218
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,546
−HK$332/mo
Today · 4.125%
HK$12,878
baseline
▲ 0.50% · 4.625%
HK$13,557
+HK$679/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,756/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$14,121
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,560
−HK$446/mo
Today · 4.125%
HK$15,006
baseline
▲ 0.50% · 4.625%
HK$15,919
+HK$913/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$30,012/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$15,709
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,131
−HK$427/mo
Today · 4.125%
HK$16,558
baseline
▲ 0.50% · 4.625%
HK$17,431
+HK$873/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$33,116/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).