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$7,842
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,086
−HK$248/mo
Today · 4.125%
HK$8,334
baseline
▲ 0.50% · 4.625%
HK$8,841
+HK$507/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,668/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$8,725
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,959
−HK$237/mo
Today · 4.125%
HK$9,196
baseline
▲ 0.50% · 4.625%
HK$9,681
+HK$485/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,392/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$9,411
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,704
−HK$297/mo
Today · 4.125%
HK$10,001
baseline
▲ 0.50% · 4.625%
HK$10,610
+HK$609/mo
Deposit HK$1.38M · loan HK$2.06M · min. income ≈ HK$20,002/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$10,469
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,750
−HK$285/mo
Today · 4.125%
HK$11,035
baseline
▲ 0.50% · 4.625%
HK$11,617
+HK$582/mo
Deposit HK$1.38M · loan HK$2.06M · min. income ≈ HK$22,070/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$10,979
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,321
−HK$347/mo
Today · 4.125%
HK$11,668
baseline
▲ 0.50% · 4.625%
HK$12,378
+HK$710/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,336/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$12,214
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,542
−HK$332/mo
Today · 4.125%
HK$12,874
baseline
▲ 0.50% · 4.625%
HK$13,553
+HK$679/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,748/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$14,116
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,555
−HK$446/mo
Today · 4.125%
HK$15,001
baseline
▲ 0.50% · 4.625%
HK$15,914
+HK$913/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$30,002/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$15,704
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,125
−HK$428/mo
Today · 4.125%
HK$16,553
baseline
▲ 0.50% · 4.625%
HK$17,425
+HK$872/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$33,106/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).