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$8,072
−HK$247/mo
Today · 4.125%
HK$8,319
baseline
▲ 0.50% · 4.625%
HK$8,826
+HK$507/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$8,709
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,943
−HK$237/mo
Today · 4.125%
HK$9,180
baseline
▲ 0.50% · 4.625%
HK$9,663
+HK$483/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,360/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$9,394
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,686
−HK$297/mo
Today · 4.125%
HK$9,983
baseline
▲ 0.50% · 4.625%
HK$10,591
+HK$608/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$10,451
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,731
−HK$284/mo
Today · 4.125%
HK$11,015
baseline
▲ 0.50% · 4.625%
HK$11,596
+HK$581/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$10,960
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,301
−HK$346/mo
Today · 4.125%
HK$11,647
baseline
▲ 0.50% · 4.625%
HK$12,356
+HK$709/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,294/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$12,193
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,520
−HK$331/mo
Today · 4.125%
HK$12,851
baseline
▲ 0.50% · 4.625%
HK$13,529
+HK$678/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$14,091
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,529
−HK$446/mo
Today · 4.125%
HK$14,975
baseline
▲ 0.50% · 4.625%
HK$15,886
+HK$911/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$29,950/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$15,676
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,097
−HK$426/mo
Today · 4.125%
HK$16,523
baseline
▲ 0.50% · 4.625%
HK$17,394
+HK$871/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$33,046/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).