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$7,889
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,134
−HK$250/mo
Today · 4.125%
HK$8,384
baseline
▲ 0.50% · 4.625%
HK$8,894
+HK$510/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,768/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$8,777
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,012
−HK$239/mo
Today · 4.125%
HK$9,251
baseline
▲ 0.50% · 4.625%
HK$9,738
+HK$487/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,502/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$9,467
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,761
−HK$300/mo
Today · 4.125%
HK$10,061
baseline
▲ 0.50% · 4.625%
HK$10,673
+HK$612/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$20,122/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$10,532
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,814
−HK$287/mo
Today · 4.125%
HK$11,101
baseline
▲ 0.50% · 4.625%
HK$11,686
+HK$585/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$22,202/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$11,045
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,388
−HK$349/mo
Today · 4.125%
HK$11,737
baseline
▲ 0.50% · 4.625%
HK$12,451
+HK$714/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,474/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$12,287
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,617
−HK$334/mo
Today · 4.125%
HK$12,951
baseline
▲ 0.50% · 4.625%
HK$13,634
+HK$683/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,902/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$14,200
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,642
−HK$449/mo
Today · 4.125%
HK$15,091
baseline
▲ 0.50% · 4.625%
HK$16,009
+HK$918/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$30,182/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$15,798
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,221
−HK$430/mo
Today · 4.125%
HK$16,651
baseline
▲ 0.50% · 4.625%
HK$17,529
+HK$878/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$33,302/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).