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$7,852
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,096
−HK$249/mo
Today · 4.125%
HK$8,345
baseline
▲ 0.50% · 4.625%
HK$8,852
+HK$507/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,690/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$8,736
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,970
−HK$237/mo
Today · 4.125%
HK$9,207
baseline
▲ 0.50% · 4.625%
HK$9,693
+HK$486/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,414/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$9,423
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,716
−HK$298/mo
Today · 4.125%
HK$10,014
baseline
▲ 0.50% · 4.625%
HK$10,623
+HK$609/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,028/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$10,483
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,764
−HK$285/mo
Today · 4.125%
HK$11,049
baseline
▲ 0.50% · 4.625%
HK$11,631
+HK$582/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,098/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$10,993
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,335
−HK$347/mo
Today · 4.125%
HK$11,682
baseline
▲ 0.50% · 4.625%
HK$12,393
+HK$711/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,364/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$12,230
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,558
−HK$332/mo
Today · 4.125%
HK$12,890
baseline
▲ 0.50% · 4.625%
HK$13,570
+HK$680/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,780/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$14,134
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,574
−HK$446/mo
Today · 4.125%
HK$15,020
baseline
▲ 0.50% · 4.625%
HK$15,934
+HK$914/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$30,040/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$15,724
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,146
−HK$427/mo
Today · 4.125%
HK$16,573
baseline
▲ 0.50% · 4.625%
HK$17,447
+HK$874/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$33,146/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).