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$7,896
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,141
−HK$250/mo
Today · 4.125%
HK$8,391
baseline
▲ 0.50% · 4.625%
HK$8,901
+HK$510/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,782/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$8,784
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,020
−HK$239/mo
Today · 4.125%
HK$9,259
baseline
▲ 0.50% · 4.625%
HK$9,747
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,518/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$9,475
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,770
−HK$299/mo
Today · 4.125%
HK$10,069
baseline
▲ 0.50% · 4.625%
HK$10,682
+HK$613/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,138/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,541
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,823
−HK$287/mo
Today · 4.125%
HK$11,110
baseline
▲ 0.50% · 4.625%
HK$11,696
+HK$586/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,220/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,054
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,398
−HK$349/mo
Today · 4.125%
HK$11,747
baseline
▲ 0.50% · 4.625%
HK$12,462
+HK$715/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,494/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$12,298
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,627
−HK$335/mo
Today · 4.125%
HK$12,962
baseline
▲ 0.50% · 4.625%
HK$13,645
+HK$683/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,924/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$14,212
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,654
−HK$450/mo
Today · 4.125%
HK$15,104
baseline
▲ 0.50% · 4.625%
HK$16,023
+HK$919/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$30,208/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$15,811
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,235
−HK$430/mo
Today · 4.125%
HK$16,665
baseline
▲ 0.50% · 4.625%
HK$17,544
+HK$879/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$33,330/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).