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$7,835
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,078
−HK$248/mo
Today · 4.125%
HK$8,326
baseline
▲ 0.50% · 4.625%
HK$8,832
+HK$506/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,652/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$8,716
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,950
−HK$237/mo
Today · 4.125%
HK$9,187
baseline
▲ 0.50% · 4.625%
HK$9,671
+HK$484/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,374/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$9,401
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,694
−HK$297/mo
Today · 4.125%
HK$9,991
baseline
▲ 0.50% · 4.625%
HK$10,599
+HK$608/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,982/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,459
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,739
−HK$285/mo
Today · 4.125%
HK$11,024
baseline
▲ 0.50% · 4.625%
HK$11,605
+HK$581/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,048/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,968
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,309
−HK$347/mo
Today · 4.125%
HK$11,656
baseline
▲ 0.50% · 4.625%
HK$12,365
+HK$709/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,312/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$12,202
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,529
−HK$332/mo
Today · 4.125%
HK$12,861
baseline
▲ 0.50% · 4.625%
HK$13,539
+HK$678/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,722/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$14,102
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,541
−HK$445/mo
Today · 4.125%
HK$14,986
baseline
▲ 0.50% · 4.625%
HK$15,898
+HK$912/mo
Deposit HK$344K · loan HK$3.09M · min. income ≈ HK$29,972/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$15,688
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,109
−HK$427/mo
Today · 4.125%
HK$16,536
baseline
▲ 0.50% · 4.625%
HK$17,408
+HK$872/mo
Deposit HK$344K · loan HK$3.09M · min. income ≈ HK$33,072/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).