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$492/mo
▼ 0.25% · 3.875%
HK$8,099
−HK$248/mo
Today · 4.125%
HK$8,347
baseline
▲ 0.50% · 4.625%
HK$8,855
+HK$508/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,694/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$8,738
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,973
−HK$238/mo
Today · 4.125%
HK$9,211
baseline
▲ 0.50% · 4.625%
HK$9,696
+HK$485/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$591/mo
▼ 0.25% · 3.875%
HK$9,719
−HK$298/mo
Today · 4.125%
HK$10,017
baseline
▲ 0.50% · 4.625%
HK$10,626
+HK$609/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,034/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$10,486
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,767
−HK$286/mo
Today · 4.125%
HK$11,053
baseline
▲ 0.50% · 4.625%
HK$11,635
+HK$582/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$10,997
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,339
−HK$347/mo
Today · 4.125%
HK$11,686
baseline
▲ 0.50% · 4.625%
HK$12,397
+HK$711/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,372/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$12,234
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,562
−HK$333/mo
Today · 4.125%
HK$12,895
baseline
▲ 0.50% · 4.625%
HK$13,574
+HK$679/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,790/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$14,139
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,578
−HK$447/mo
Today · 4.125%
HK$15,025
baseline
▲ 0.50% · 4.625%
HK$15,940
+HK$915/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$30,050/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$15,729
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,151
−HK$428/mo
Today · 4.125%
HK$16,579
baseline
▲ 0.50% · 4.625%
HK$17,453
+HK$874/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$33,158/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).