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$7,857
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,101
−HK$249/mo
Today · 4.125%
HK$8,350
baseline
▲ 0.50% · 4.625%
HK$8,858
+HK$508/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,700/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$8,741
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,975
−HK$238/mo
Today · 4.125%
HK$9,213
baseline
▲ 0.50% · 4.625%
HK$9,699
+HK$486/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,426/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$9,428
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,721
−HK$298/mo
Today · 4.125%
HK$10,019
baseline
▲ 0.50% · 4.625%
HK$10,629
+HK$610/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,038/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$10,489
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,770
−HK$285/mo
Today · 4.125%
HK$11,055
baseline
▲ 0.50% · 4.625%
HK$11,638
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,110/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$11,000
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,342
−HK$347/mo
Today · 4.125%
HK$11,689
baseline
▲ 0.50% · 4.625%
HK$12,401
+HK$712/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,378/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$12,237
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,565
−HK$333/mo
Today · 4.125%
HK$12,898
baseline
▲ 0.50% · 4.625%
HK$13,578
+HK$680/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,796/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$14,142
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,582
−HK$447/mo
Today · 4.125%
HK$15,029
baseline
▲ 0.50% · 4.625%
HK$15,944
+HK$915/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$30,058/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$15,733
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,155
−HK$428/mo
Today · 4.125%
HK$16,583
baseline
▲ 0.50% · 4.625%
HK$17,457
+HK$874/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$33,166/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).