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$7,856
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,100
−HK$249/mo
Today · 4.125%
HK$8,349
baseline
▲ 0.50% · 4.625%
HK$8,857
+HK$508/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,698/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$8,740
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,974
−HK$238/mo
Today · 4.125%
HK$9,212
baseline
▲ 0.50% · 4.625%
HK$9,697
+HK$485/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,424/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$9,427
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,720
−HK$298/mo
Today · 4.125%
HK$10,018
baseline
▲ 0.50% · 4.625%
HK$10,628
+HK$610/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,036/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$10,488
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,769
−HK$285/mo
Today · 4.125%
HK$11,054
baseline
▲ 0.50% · 4.625%
HK$11,637
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,108/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$10,998
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,340
−HK$348/mo
Today · 4.125%
HK$11,688
baseline
▲ 0.50% · 4.625%
HK$12,399
+HK$711/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,376/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$12,235
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,564
−HK$333/mo
Today · 4.125%
HK$12,897
baseline
▲ 0.50% · 4.625%
HK$13,576
+HK$679/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,794/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$14,141
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,581
−HK$446/mo
Today · 4.125%
HK$15,027
baseline
▲ 0.50% · 4.625%
HK$15,942
+HK$915/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$30,054/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$15,731
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,153
−HK$428/mo
Today · 4.125%
HK$16,581
baseline
▲ 0.50% · 4.625%
HK$17,455
+HK$874/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$33,162/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).