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$7,864
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,109
−HK$248/mo
Today · 4.125%
HK$8,357
baseline
▲ 0.50% · 4.625%
HK$8,866
+HK$509/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,714/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$8,749
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,984
−HK$238/mo
Today · 4.125%
HK$9,222
baseline
▲ 0.50% · 4.625%
HK$9,708
+HK$486/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,444/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$9,437
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,731
−HK$298/mo
Today · 4.125%
HK$10,029
baseline
▲ 0.50% · 4.625%
HK$10,639
+HK$610/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,058/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$10,499
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,780
−HK$286/mo
Today · 4.125%
HK$11,066
baseline
▲ 0.50% · 4.625%
HK$11,649
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,132/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$11,010
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,352
−HK$348/mo
Today · 4.125%
HK$11,700
baseline
▲ 0.50% · 4.625%
HK$12,412
+HK$712/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,400/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$12,248
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,577
−HK$333/mo
Today · 4.125%
HK$12,910
baseline
▲ 0.50% · 4.625%
HK$13,591
+HK$681/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,820/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$14,156
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,596
−HK$447/mo
Today · 4.125%
HK$15,043
baseline
▲ 0.50% · 4.625%
HK$15,959
+HK$916/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$30,086/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$15,748
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,170
−HK$429/mo
Today · 4.125%
HK$16,599
baseline
▲ 0.50% · 4.625%
HK$17,474
+HK$875/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$33,198/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).