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$7,861
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,106
−HK$248/mo
Today · 4.125%
HK$8,354
baseline
▲ 0.50% · 4.625%
HK$8,863
+HK$509/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,708/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$8,746
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,980
−HK$238/mo
Today · 4.125%
HK$9,218
baseline
▲ 0.50% · 4.625%
HK$9,704
+HK$486/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,436/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$9,434
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,727
−HK$298/mo
Today · 4.125%
HK$10,025
baseline
▲ 0.50% · 4.625%
HK$10,635
+HK$610/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,050/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$10,495
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,776
−HK$286/mo
Today · 4.125%
HK$11,062
baseline
▲ 0.50% · 4.625%
HK$11,645
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,124/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$11,006
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,348
−HK$348/mo
Today · 4.125%
HK$11,696
baseline
▲ 0.50% · 4.625%
HK$12,408
+HK$712/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,392/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$12,244
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,572
−HK$333/mo
Today · 4.125%
HK$12,905
baseline
▲ 0.50% · 4.625%
HK$13,586
+HK$681/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,810/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$14,150
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,590
−HK$448/mo
Today · 4.125%
HK$15,038
baseline
▲ 0.50% · 4.625%
HK$15,953
+HK$915/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$30,076/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$15,742
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,164
−HK$429/mo
Today · 4.125%
HK$16,593
baseline
▲ 0.50% · 4.625%
HK$17,467
+HK$874/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$33,186/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).