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$7,900
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,145
−HK$250/mo
Today · 4.125%
HK$8,395
baseline
▲ 0.50% · 4.625%
HK$8,906
+HK$511/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,790/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,788
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,024
−HK$239/mo
Today · 4.125%
HK$9,263
baseline
▲ 0.50% · 4.625%
HK$9,751
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,526/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,479
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,774
−HK$300/mo
Today · 4.125%
HK$10,074
baseline
▲ 0.50% · 4.625%
HK$10,687
+HK$613/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,148/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,546
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,829
−HK$287/mo
Today · 4.125%
HK$11,116
baseline
▲ 0.50% · 4.625%
HK$11,702
+HK$586/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,232/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,059
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,403
−HK$350/mo
Today · 4.125%
HK$11,753
baseline
▲ 0.50% · 4.625%
HK$12,468
+HK$715/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,506/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,303
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,633
−HK$335/mo
Today · 4.125%
HK$12,968
baseline
▲ 0.50% · 4.625%
HK$13,652
+HK$684/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,936/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,219
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,662
−HK$449/mo
Today · 4.125%
HK$15,111
baseline
▲ 0.50% · 4.625%
HK$16,030
+HK$919/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$30,222/mo (50% DSR)
Upfront cash ≈ HK$347K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,819
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,243
−HK$430/mo
Today · 4.125%
HK$16,673
baseline
▲ 0.50% · 4.625%
HK$17,552
+HK$879/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$33,346/mo (50% DSR)
Upfront cash ≈ HK$347K (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).