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$7,869
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,113
−HK$249/mo
Today · 4.125%
HK$8,362
baseline
▲ 0.50% · 4.625%
HK$8,871
+HK$509/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,724/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$8,754
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,988
−HK$239/mo
Today · 4.125%
HK$9,227
baseline
▲ 0.50% · 4.625%
HK$9,713
+HK$486/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,454/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$9,442
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,736
−HK$298/mo
Today · 4.125%
HK$10,034
baseline
▲ 0.50% · 4.625%
HK$10,645
+HK$611/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,068/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$10,504
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,786
−HK$286/mo
Today · 4.125%
HK$11,072
baseline
▲ 0.50% · 4.625%
HK$11,656
+HK$584/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,144/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$11,016
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,359
−HK$348/mo
Today · 4.125%
HK$11,707
baseline
▲ 0.50% · 4.625%
HK$12,419
+HK$712/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,414/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$12,255
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,584
−HK$333/mo
Today · 4.125%
HK$12,917
baseline
▲ 0.50% · 4.625%
HK$13,598
+HK$681/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,834/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$14,163
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,604
−HK$448/mo
Today · 4.125%
HK$15,052
baseline
▲ 0.50% · 4.625%
HK$15,967
+HK$915/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$30,104/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$15,757
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,179
−HK$429/mo
Today · 4.125%
HK$16,608
baseline
▲ 0.50% · 4.625%
HK$17,483
+HK$875/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$33,216/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).