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$495/mo
▼ 0.25% · 3.875%
HK$8,127
−HK$250/mo
Today · 4.125%
HK$8,377
baseline
▲ 0.50% · 4.625%
HK$8,886
+HK$509/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,754/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$474/mo
▼ 0.25% · 3.875%
HK$9,004
−HK$239/mo
Today · 4.125%
HK$9,243
baseline
▲ 0.50% · 4.625%
HK$9,730
+HK$487/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,486/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$9,459
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,753
−HK$299/mo
Today · 4.125%
HK$10,052
baseline
▲ 0.50% · 4.625%
HK$10,664
+HK$612/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,104/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$10,523
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,805
−HK$286/mo
Today · 4.125%
HK$11,091
baseline
▲ 0.50% · 4.625%
HK$11,676
+HK$585/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$12,441
+HK$714/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$12,277
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,606
−HK$334/mo
Today · 4.125%
HK$12,940
baseline
▲ 0.50% · 4.625%
HK$13,622
+HK$682/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,880/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$890/mo
▼ 0.25% · 3.875%
HK$14,629
−HK$449/mo
Today · 4.125%
HK$15,078
baseline
▲ 0.50% · 4.625%
HK$15,995
+HK$917/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$30,156/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$15,784
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,207
−HK$430/mo
Today · 4.125%
HK$16,637
baseline
▲ 0.50% · 4.625%
HK$17,514
+HK$877/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$33,274/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).