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$7,897
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,142
−HK$250/mo
Today · 4.125%
HK$8,392
baseline
▲ 0.50% · 4.625%
HK$8,903
+HK$511/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,784/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$8,785
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,021
−HK$239/mo
Today · 4.125%
HK$9,260
baseline
▲ 0.50% · 4.625%
HK$9,748
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,520/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$9,476
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,771
−HK$299/mo
Today · 4.125%
HK$10,070
baseline
▲ 0.50% · 4.625%
HK$10,683
+HK$613/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,140/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$10,542
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,825
−HK$287/mo
Today · 4.125%
HK$11,112
baseline
▲ 0.50% · 4.625%
HK$11,697
+HK$585/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,224/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$11,056
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,399
−HK$350/mo
Today · 4.125%
HK$11,749
baseline
▲ 0.50% · 4.625%
HK$12,464
+HK$715/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,498/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$12,299
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,629
−HK$335/mo
Today · 4.125%
HK$12,964
baseline
▲ 0.50% · 4.625%
HK$13,647
+HK$683/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,928/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$14,214
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,656
−HK$450/mo
Today · 4.125%
HK$15,106
baseline
▲ 0.50% · 4.625%
HK$16,025
+HK$919/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$30,212/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$15,813
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,237
−HK$431/mo
Today · 4.125%
HK$16,668
baseline
▲ 0.50% · 4.625%
HK$17,546
+HK$878/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$33,336/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).