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$7,872
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,117
−HK$249/mo
Today · 4.125%
HK$8,366
baseline
▲ 0.50% · 4.625%
HK$8,875
+HK$509/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,732/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$8,758
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,993
−HK$238/mo
Today · 4.125%
HK$9,231
baseline
▲ 0.50% · 4.625%
HK$9,718
+HK$487/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,462/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$9,447
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,741
−HK$298/mo
Today · 4.125%
HK$10,039
baseline
▲ 0.50% · 4.625%
HK$10,650
+HK$611/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,078/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$10,510
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,792
−HK$285/mo
Today · 4.125%
HK$11,077
baseline
▲ 0.50% · 4.625%
HK$11,661
+HK$584/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,154/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$11,021
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,364
−HK$349/mo
Today · 4.125%
HK$11,713
baseline
▲ 0.50% · 4.625%
HK$12,425
+HK$712/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,426/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$12,261
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,590
−HK$334/mo
Today · 4.125%
HK$12,924
baseline
▲ 0.50% · 4.625%
HK$13,605
+HK$681/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,848/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$14,170
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,611
−HK$448/mo
Today · 4.125%
HK$15,059
baseline
▲ 0.50% · 4.625%
HK$15,975
+HK$916/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$30,118/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$15,765
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,187
−HK$429/mo
Today · 4.125%
HK$16,616
baseline
▲ 0.50% · 4.625%
HK$17,492
+HK$876/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$33,232/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).