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$7,870
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,115
−HK$248/mo
Today · 4.125%
HK$8,363
baseline
▲ 0.50% · 4.625%
HK$8,872
+HK$509/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,726/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$8,755
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,990
−HK$238/mo
Today · 4.125%
HK$9,228
baseline
▲ 0.50% · 4.625%
HK$9,715
+HK$487/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,456/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$9,444
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,738
−HK$298/mo
Today · 4.125%
HK$10,036
baseline
▲ 0.50% · 4.625%
HK$10,647
+HK$611/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,072/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$10,506
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,788
−HK$286/mo
Today · 4.125%
HK$11,074
baseline
▲ 0.50% · 4.625%
HK$11,657
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,148/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$11,018
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,360
−HK$349/mo
Today · 4.125%
HK$11,709
baseline
▲ 0.50% · 4.625%
HK$12,421
+HK$712/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,418/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$12,257
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,586
−HK$333/mo
Today · 4.125%
HK$12,919
baseline
▲ 0.50% · 4.625%
HK$13,600
+HK$681/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,838/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$14,166
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,606
−HK$448/mo
Today · 4.125%
HK$15,054
baseline
▲ 0.50% · 4.625%
HK$15,970
+HK$916/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$30,108/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$15,759
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,182
−HK$429/mo
Today · 4.125%
HK$16,611
baseline
▲ 0.50% · 4.625%
HK$17,486
+HK$875/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$33,222/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).