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$7,845
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,089
−HK$248/mo
Today · 4.125%
HK$8,337
baseline
▲ 0.50% · 4.625%
HK$8,845
+HK$508/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,674/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$8,728
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,962
−HK$237/mo
Today · 4.125%
HK$9,199
baseline
▲ 0.50% · 4.625%
HK$9,684
+HK$485/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,398/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$9,414
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,707
−HK$298/mo
Today · 4.125%
HK$10,005
baseline
▲ 0.50% · 4.625%
HK$10,614
+HK$609/mo
Deposit HK$1.38M · loan HK$2.06M · min. income ≈ HK$20,010/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$10,473
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,754
−HK$285/mo
Today · 4.125%
HK$11,039
baseline
▲ 0.50% · 4.625%
HK$11,621
+HK$582/mo
Deposit HK$1.38M · loan HK$2.06M · min. income ≈ HK$22,078/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$10,984
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,325
−HK$347/mo
Today · 4.125%
HK$11,672
baseline
▲ 0.50% · 4.625%
HK$12,383
+HK$711/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,344/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$12,219
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,547
−HK$332/mo
Today · 4.125%
HK$12,879
baseline
▲ 0.50% · 4.625%
HK$13,558
+HK$679/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,758/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$14,122
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,561
−HK$446/mo
Today · 4.125%
HK$15,007
baseline
▲ 0.50% · 4.625%
HK$15,920
+HK$913/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$30,014/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$15,710
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,132
−HK$427/mo
Today · 4.125%
HK$16,559
baseline
▲ 0.50% · 4.625%
HK$17,432
+HK$873/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$33,118/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).