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$7,854
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,098
−HK$248/mo
Today · 4.125%
HK$8,346
baseline
▲ 0.50% · 4.625%
HK$8,854
+HK$508/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,692/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$8,737
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,972
−HK$237/mo
Today · 4.125%
HK$9,209
baseline
▲ 0.50% · 4.625%
HK$9,695
+HK$486/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,418/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$9,425
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,718
−HK$298/mo
Today · 4.125%
HK$10,016
baseline
▲ 0.50% · 4.625%
HK$10,625
+HK$609/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,032/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$10,485
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,766
−HK$285/mo
Today · 4.125%
HK$11,051
baseline
▲ 0.50% · 4.625%
HK$11,634
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,102/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$10,995
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,337
−HK$348/mo
Today · 4.125%
HK$11,685
baseline
▲ 0.50% · 4.625%
HK$12,396
+HK$711/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,370/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$12,232
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,560
−HK$333/mo
Today · 4.125%
HK$12,893
baseline
▲ 0.50% · 4.625%
HK$13,573
+HK$680/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,786/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$14,137
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,576
−HK$447/mo
Today · 4.125%
HK$15,023
baseline
▲ 0.50% · 4.625%
HK$15,937
+HK$914/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$30,046/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$15,727
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,149
−HK$428/mo
Today · 4.125%
HK$16,577
baseline
▲ 0.50% · 4.625%
HK$17,450
+HK$873/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$33,154/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).