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$7,911
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,157
−HK$250/mo
Today · 4.125%
HK$8,407
baseline
▲ 0.50% · 4.625%
HK$8,918
+HK$511/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,814/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$8,801
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,037
−HK$239/mo
Today · 4.125%
HK$9,276
baseline
▲ 0.50% · 4.625%
HK$9,765
+HK$489/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,552/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$9,493
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,788
−HK$300/mo
Today · 4.125%
HK$10,088
baseline
▲ 0.50% · 4.625%
HK$10,702
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,176/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$10,561
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,844
−HK$287/mo
Today · 4.125%
HK$11,131
baseline
▲ 0.50% · 4.625%
HK$11,718
+HK$587/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,262/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$11,075
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,419
−HK$350/mo
Today · 4.125%
HK$11,769
baseline
▲ 0.50% · 4.625%
HK$12,486
+HK$717/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,538/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$12,321
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,651
−HK$335/mo
Today · 4.125%
HK$12,986
baseline
▲ 0.50% · 4.625%
HK$13,671
+HK$685/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,972/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$14,239
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,682
−HK$450/mo
Today · 4.125%
HK$15,132
baseline
▲ 0.50% · 4.625%
HK$16,053
+HK$921/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,264/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$15,841
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,266
−HK$431/mo
Today · 4.125%
HK$16,697
baseline
▲ 0.50% · 4.625%
HK$17,577
+HK$880/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,394/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).