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$7,832
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,076
−HK$247/mo
Today · 4.125%
HK$8,323
baseline
▲ 0.50% · 4.625%
HK$8,830
+HK$507/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,646/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$8,713
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,947
−HK$237/mo
Today · 4.125%
HK$9,184
baseline
▲ 0.50% · 4.625%
HK$9,668
+HK$484/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,368/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$9,398
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,691
−HK$297/mo
Today · 4.125%
HK$9,988
baseline
▲ 0.50% · 4.625%
HK$10,595
+HK$607/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,976/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$10,456
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,736
−HK$284/mo
Today · 4.125%
HK$11,020
baseline
▲ 0.50% · 4.625%
HK$11,601
+HK$581/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,040/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$10,965
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,306
−HK$346/mo
Today · 4.125%
HK$11,652
baseline
▲ 0.50% · 4.625%
HK$12,361
+HK$709/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,304/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$12,198
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,525
−HK$332/mo
Today · 4.125%
HK$12,857
baseline
▲ 0.50% · 4.625%
HK$13,535
+HK$678/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,714/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$14,098
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,536
−HK$446/mo
Today · 4.125%
HK$14,982
baseline
▲ 0.50% · 4.625%
HK$15,893
+HK$911/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$29,964/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$15,683
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,104
−HK$427/mo
Today · 4.125%
HK$16,531
baseline
▲ 0.50% · 4.625%
HK$17,402
+HK$871/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$33,062/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).