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$7,855
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,100
−HK$248/mo
Today · 4.125%
HK$8,348
baseline
▲ 0.50% · 4.625%
HK$8,856
+HK$508/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,696/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$8,739
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,973
−HK$238/mo
Today · 4.125%
HK$9,211
baseline
▲ 0.50% · 4.625%
HK$9,697
+HK$486/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,422/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$9,426
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,720
−HK$298/mo
Today · 4.125%
HK$10,018
baseline
▲ 0.50% · 4.625%
HK$10,627
+HK$609/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,036/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$10,487
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,768
−HK$285/mo
Today · 4.125%
HK$11,053
baseline
▲ 0.50% · 4.625%
HK$11,636
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,106/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$10,998
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,340
−HK$347/mo
Today · 4.125%
HK$11,687
baseline
▲ 0.50% · 4.625%
HK$12,398
+HK$711/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,374/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$12,235
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,563
−HK$333/mo
Today · 4.125%
HK$12,896
baseline
▲ 0.50% · 4.625%
HK$13,575
+HK$679/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,792/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$14,140
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,580
−HK$446/mo
Today · 4.125%
HK$15,026
baseline
▲ 0.50% · 4.625%
HK$15,941
+HK$915/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$30,052/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$15,730
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,152
−HK$428/mo
Today · 4.125%
HK$16,580
baseline
▲ 0.50% · 4.625%
HK$17,454
+HK$874/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$33,160/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).