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$7,848
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,093
−HK$248/mo
Today · 4.125%
HK$8,341
baseline
▲ 0.50% · 4.625%
HK$8,848
+HK$507/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,682/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$8,731
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,965
−HK$238/mo
Today · 4.125%
HK$9,203
baseline
▲ 0.50% · 4.625%
HK$9,688
+HK$485/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,406/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$9,418
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,711
−HK$298/mo
Today · 4.125%
HK$10,009
baseline
▲ 0.50% · 4.625%
HK$10,618
+HK$609/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,018/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$10,477
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,758
−HK$286/mo
Today · 4.125%
HK$11,044
baseline
▲ 0.50% · 4.625%
HK$11,626
+HK$582/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,088/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$10,988
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,330
−HK$347/mo
Today · 4.125%
HK$11,677
baseline
▲ 0.50% · 4.625%
HK$12,387
+HK$710/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,354/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$12,224
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,552
−HK$332/mo
Today · 4.125%
HK$12,884
baseline
▲ 0.50% · 4.625%
HK$13,563
+HK$679/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,768/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$14,127
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,567
−HK$446/mo
Today · 4.125%
HK$15,013
baseline
▲ 0.50% · 4.625%
HK$15,926
+HK$913/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$30,026/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$15,716
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,138
−HK$427/mo
Today · 4.125%
HK$16,565
baseline
▲ 0.50% · 4.625%
HK$17,439
+HK$874/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$33,130/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).