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$7,895
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,141
−HK$249/mo
Today · 4.125%
HK$8,390
baseline
▲ 0.50% · 4.625%
HK$8,901
+HK$511/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,780/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$8,783
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,019
−HK$239/mo
Today · 4.125%
HK$9,258
baseline
▲ 0.50% · 4.625%
HK$9,746
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,516/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$9,474
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,769
−HK$299/mo
Today · 4.125%
HK$10,068
baseline
▲ 0.50% · 4.625%
HK$10,681
+HK$613/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$20,136/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$10,540
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,823
−HK$286/mo
Today · 4.125%
HK$11,109
baseline
▲ 0.50% · 4.625%
HK$11,695
+HK$586/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$22,218/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$11,053
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,397
−HK$349/mo
Today · 4.125%
HK$11,746
baseline
▲ 0.50% · 4.625%
HK$12,461
+HK$715/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,492/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$12,297
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,626
−HK$335/mo
Today · 4.125%
HK$12,961
baseline
▲ 0.50% · 4.625%
HK$13,644
+HK$683/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,922/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$14,211
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,653
−HK$449/mo
Today · 4.125%
HK$15,102
baseline
▲ 0.50% · 4.625%
HK$16,021
+HK$919/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$30,204/mo (50% DSR)
Upfront cash ≈ HK$346K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,810
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,234
−HK$430/mo
Today · 4.125%
HK$16,664
baseline
▲ 0.50% · 4.625%
HK$17,542
+HK$878/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$33,328/mo (50% DSR)
Upfront cash ≈ HK$346K (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).