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$7,828
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,071
−HK$248/mo
Today · 4.125%
HK$8,319
baseline
▲ 0.50% · 4.625%
HK$8,825
+HK$506/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,638/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$8,708
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,942
−HK$237/mo
Today · 4.125%
HK$9,179
baseline
▲ 0.50% · 4.625%
HK$9,663
+HK$484/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,358/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$9,393
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,686
−HK$297/mo
Today · 4.125%
HK$9,983
baseline
▲ 0.50% · 4.625%
HK$10,590
+HK$607/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,966/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,450
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,730
−HK$285/mo
Today · 4.125%
HK$11,015
baseline
▲ 0.50% · 4.625%
HK$11,595
+HK$580/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,030/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,959
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,300
−HK$346/mo
Today · 4.125%
HK$11,646
baseline
▲ 0.50% · 4.625%
HK$12,355
+HK$709/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,292/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$12,192
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,519
−HK$332/mo
Today · 4.125%
HK$12,851
baseline
▲ 0.50% · 4.625%
HK$13,528
+HK$677/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,702/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$14,090
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,528
−HK$446/mo
Today · 4.125%
HK$14,974
baseline
▲ 0.50% · 4.625%
HK$15,885
+HK$911/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$29,948/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,675
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,096
−HK$426/mo
Today · 4.125%
HK$16,522
baseline
▲ 0.50% · 4.625%
HK$17,393
+HK$871/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$33,044/mo (50% DSR)
Upfront cash ≈ HK$343K (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).