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$7,901
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,147
−HK$249/mo
Today · 4.125%
HK$8,396
baseline
▲ 0.50% · 4.625%
HK$8,907
+HK$511/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,792/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$8,790
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,025
−HK$240/mo
Today · 4.125%
HK$9,265
baseline
▲ 0.50% · 4.625%
HK$9,753
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,530/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$9,481
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,776
−HK$300/mo
Today · 4.125%
HK$10,076
baseline
▲ 0.50% · 4.625%
HK$10,689
+HK$613/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,152/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$10,548
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,831
−HK$287/mo
Today · 4.125%
HK$11,118
baseline
▲ 0.50% · 4.625%
HK$11,704
+HK$586/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,236/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$11,061
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,405
−HK$350/mo
Today · 4.125%
HK$11,755
baseline
▲ 0.50% · 4.625%
HK$12,470
+HK$715/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,510/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$12,306
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,636
−HK$334/mo
Today · 4.125%
HK$12,970
baseline
▲ 0.50% · 4.625%
HK$13,654
+HK$684/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,940/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$14,222
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,664
−HK$450/mo
Today · 4.125%
HK$15,114
baseline
▲ 0.50% · 4.625%
HK$16,033
+HK$919/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$30,228/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$15,821
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,246
−HK$430/mo
Today · 4.125%
HK$16,676
baseline
▲ 0.50% · 4.625%
HK$17,555
+HK$879/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$33,352/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).