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$7,834
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,077
−HK$248/mo
Today · 4.125%
HK$8,325
baseline
▲ 0.50% · 4.625%
HK$8,832
+HK$507/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,650/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$8,715
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,949
−HK$237/mo
Today · 4.125%
HK$9,186
baseline
▲ 0.50% · 4.625%
HK$9,670
+HK$484/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,372/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$9,401
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,693
−HK$297/mo
Today · 4.125%
HK$9,990
baseline
▲ 0.50% · 4.625%
HK$10,598
+HK$608/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,980/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$10,458
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,738
−HK$285/mo
Today · 4.125%
HK$11,023
baseline
▲ 0.50% · 4.625%
HK$11,604
+HK$581/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,046/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$10,967
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,308
−HK$347/mo
Today · 4.125%
HK$11,655
baseline
▲ 0.50% · 4.625%
HK$12,364
+HK$709/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,310/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$12,201
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,528
−HK$332/mo
Today · 4.125%
HK$12,860
baseline
▲ 0.50% · 4.625%
HK$13,538
+HK$678/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,720/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$14,101
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,539
−HK$446/mo
Today · 4.125%
HK$14,985
baseline
▲ 0.50% · 4.625%
HK$15,897
+HK$912/mo
Deposit HK$344K · loan HK$3.09M · min. income ≈ HK$29,970/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$15,687
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,108
−HK$427/mo
Today · 4.125%
HK$16,535
baseline
▲ 0.50% · 4.625%
HK$17,406
+HK$871/mo
Deposit HK$344K · loan HK$3.09M · min. income ≈ HK$33,070/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).