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$7,882
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,127
−HK$249/mo
Today · 4.125%
HK$8,376
baseline
▲ 0.50% · 4.625%
HK$8,886
+HK$510/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,752/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$8,769
−HK$473/mo
▼ 0.25% · 3.875%
HK$9,004
−HK$238/mo
Today · 4.125%
HK$9,242
baseline
▲ 0.50% · 4.625%
HK$9,730
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,484/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$9,458
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,753
−HK$298/mo
Today · 4.125%
HK$10,051
baseline
▲ 0.50% · 4.625%
HK$10,663
+HK$612/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,102/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$10,522
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,805
−HK$286/mo
Today · 4.125%
HK$11,091
baseline
▲ 0.50% · 4.625%
HK$11,675
+HK$584/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,182/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$11,035
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,378
−HK$349/mo
Today · 4.125%
HK$11,727
baseline
▲ 0.50% · 4.625%
HK$12,440
+HK$713/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,454/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$12,276
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,605
−HK$334/mo
Today · 4.125%
HK$12,939
baseline
▲ 0.50% · 4.625%
HK$13,621
+HK$682/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,878/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$14,188
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,629
−HK$448/mo
Today · 4.125%
HK$15,077
baseline
▲ 0.50% · 4.625%
HK$15,995
+HK$918/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$30,154/mo (50% DSR)
Upfront cash ≈ HK$346K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,783
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,207
−HK$429/mo
Today · 4.125%
HK$16,636
baseline
▲ 0.50% · 4.625%
HK$17,513
+HK$877/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$33,272/mo (50% DSR)
Upfront cash ≈ HK$346K (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).