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$7,903
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,149
−HK$249/mo
Today · 4.125%
HK$8,398
baseline
▲ 0.50% · 4.625%
HK$8,910
+HK$512/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,796/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$8,792
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,028
−HK$239/mo
Today · 4.125%
HK$9,267
baseline
▲ 0.50% · 4.625%
HK$9,755
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,534/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$9,483
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,778
−HK$300/mo
Today · 4.125%
HK$10,078
baseline
▲ 0.50% · 4.625%
HK$10,691
+HK$613/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,156/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,550
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,833
−HK$287/mo
Today · 4.125%
HK$11,120
baseline
▲ 0.50% · 4.625%
HK$11,706
+HK$586/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,240/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,064
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,408
−HK$350/mo
Today · 4.125%
HK$11,758
baseline
▲ 0.50% · 4.625%
HK$12,473
+HK$715/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,516/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$12,309
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,639
−HK$335/mo
Today · 4.125%
HK$12,974
baseline
▲ 0.50% · 4.625%
HK$13,658
+HK$684/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,948/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$14,225
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,668
−HK$449/mo
Today · 4.125%
HK$15,117
baseline
▲ 0.50% · 4.625%
HK$16,037
+HK$920/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,234/mo (50% DSR)
Upfront cash ≈ HK$347K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,825
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,250
−HK$430/mo
Today · 4.125%
HK$16,680
baseline
▲ 0.50% · 4.625%
HK$17,560
+HK$880/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,360/mo (50% DSR)
Upfront cash ≈ HK$347K (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).