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$7,859
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,103
−HK$249/mo
Today · 4.125%
HK$8,352
baseline
▲ 0.50% · 4.625%
HK$8,860
+HK$508/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,704/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$8,743
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,978
−HK$237/mo
Today · 4.125%
HK$9,215
baseline
▲ 0.50% · 4.625%
HK$9,701
+HK$486/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,430/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$9,431
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,724
−HK$298/mo
Today · 4.125%
HK$10,022
baseline
▲ 0.50% · 4.625%
HK$10,632
+HK$610/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,044/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$10,492
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,773
−HK$285/mo
Today · 4.125%
HK$11,058
baseline
▲ 0.50% · 4.625%
HK$11,641
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,116/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$11,003
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,345
−HK$348/mo
Today · 4.125%
HK$11,693
baseline
▲ 0.50% · 4.625%
HK$12,404
+HK$711/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,386/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$12,240
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,569
−HK$333/mo
Today · 4.125%
HK$12,902
baseline
▲ 0.50% · 4.625%
HK$13,582
+HK$680/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,804/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$14,146
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,586
−HK$447/mo
Today · 4.125%
HK$15,033
baseline
▲ 0.50% · 4.625%
HK$15,948
+HK$915/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$30,066/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$15,737
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,160
−HK$428/mo
Today · 4.125%
HK$16,588
baseline
▲ 0.50% · 4.625%
HK$17,462
+HK$874/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$33,176/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).