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$7,894
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,140
−HK$249/mo
Today · 4.125%
HK$8,389
baseline
▲ 0.50% · 4.625%
HK$8,899
+HK$510/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,778/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$8,782
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,018
−HK$238/mo
Today · 4.125%
HK$9,256
baseline
▲ 0.50% · 4.625%
HK$9,744
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,512/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$9,473
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,767
−HK$300/mo
Today · 4.125%
HK$10,067
baseline
▲ 0.50% · 4.625%
HK$10,679
+HK$612/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$20,134/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$10,538
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,821
−HK$287/mo
Today · 4.125%
HK$11,108
baseline
▲ 0.50% · 4.625%
HK$11,693
+HK$585/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$22,216/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$11,052
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,395
−HK$350/mo
Today · 4.125%
HK$11,745
baseline
▲ 0.50% · 4.625%
HK$12,459
+HK$714/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,490/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$12,295
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,625
−HK$334/mo
Today · 4.125%
HK$12,959
baseline
▲ 0.50% · 4.625%
HK$13,642
+HK$683/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,918/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$14,209
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,651
−HK$449/mo
Today · 4.125%
HK$15,100
baseline
▲ 0.50% · 4.625%
HK$16,019
+HK$919/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$30,200/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$15,808
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,232
−HK$430/mo
Today · 4.125%
HK$16,662
baseline
▲ 0.50% · 4.625%
HK$17,540
+HK$878/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$33,324/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).