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$7,837
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,081
−HK$247/mo
Today · 4.125%
HK$8,328
baseline
▲ 0.50% · 4.625%
HK$8,835
+HK$507/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,656/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$8,719
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,952
−HK$238/mo
Today · 4.125%
HK$9,190
baseline
▲ 0.50% · 4.625%
HK$9,674
+HK$484/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,380/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$9,404
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,697
−HK$297/mo
Today · 4.125%
HK$9,994
baseline
▲ 0.50% · 4.625%
HK$10,602
+HK$608/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,988/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$10,462
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,743
−HK$284/mo
Today · 4.125%
HK$11,027
baseline
▲ 0.50% · 4.625%
HK$11,609
+HK$582/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,054/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$10,972
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,313
−HK$347/mo
Today · 4.125%
HK$11,660
baseline
▲ 0.50% · 4.625%
HK$12,369
+HK$709/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,320/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$12,206
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,533
−HK$332/mo
Today · 4.125%
HK$12,865
baseline
▲ 0.50% · 4.625%
HK$13,544
+HK$679/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,730/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$14,107
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,545
−HK$446/mo
Today · 4.125%
HK$14,991
baseline
▲ 0.50% · 4.625%
HK$15,903
+HK$912/mo
Deposit HK$344K · loan HK$3.09M · min. income ≈ HK$29,982/mo (50% DSR)
Upfront cash ≈ HK$344K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,693
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,114
−HK$427/mo
Today · 4.125%
HK$16,541
baseline
▲ 0.50% · 4.625%
HK$17,413
+HK$872/mo
Deposit HK$344K · loan HK$3.09M · min. income ≈ HK$33,082/mo (50% DSR)
Upfront cash ≈ HK$344K (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).