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$7,829
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,072
−HK$248/mo
Today · 4.125%
HK$8,320
baseline
▲ 0.50% · 4.625%
HK$8,826
+HK$506/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,640/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$8,709
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,943
−HK$237/mo
Today · 4.125%
HK$9,180
baseline
▲ 0.50% · 4.625%
HK$9,664
+HK$484/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,360/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$9,395
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,687
−HK$297/mo
Today · 4.125%
HK$9,984
baseline
▲ 0.50% · 4.625%
HK$10,591
+HK$607/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,968/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$10,451
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,732
−HK$284/mo
Today · 4.125%
HK$11,016
baseline
▲ 0.50% · 4.625%
HK$11,597
+HK$581/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,032/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$10,960
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,301
−HK$347/mo
Today · 4.125%
HK$11,648
baseline
▲ 0.50% · 4.625%
HK$12,356
+HK$708/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,296/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$12,193
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,520
−HK$332/mo
Today · 4.125%
HK$12,852
baseline
▲ 0.50% · 4.625%
HK$13,529
+HK$677/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,704/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$14,092
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,530
−HK$445/mo
Today · 4.125%
HK$14,975
baseline
▲ 0.50% · 4.625%
HK$15,887
+HK$912/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$29,950/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,677
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,097
−HK$427/mo
Today · 4.125%
HK$16,524
baseline
▲ 0.50% · 4.625%
HK$17,395
+HK$871/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$33,048/mo (50% DSR)
Upfront cash ≈ HK$343K (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).