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$7,877
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,122
−HK$249/mo
Today · 4.125%
HK$8,371
baseline
▲ 0.50% · 4.625%
HK$8,881
+HK$510/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,742/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$8,763
−HK$474/mo
▼ 0.25% · 3.875%
HK$8,998
−HK$239/mo
Today · 4.125%
HK$9,237
baseline
▲ 0.50% · 4.625%
HK$9,724
+HK$487/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,474/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$9,453
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,747
−HK$299/mo
Today · 4.125%
HK$10,046
baseline
▲ 0.50% · 4.625%
HK$10,657
+HK$611/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,092/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$10,516
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,798
−HK$286/mo
Today · 4.125%
HK$11,084
baseline
▲ 0.50% · 4.625%
HK$11,669
+HK$585/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,168/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$11,028
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,371
−HK$349/mo
Today · 4.125%
HK$11,720
baseline
▲ 0.50% · 4.625%
HK$12,433
+HK$713/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,440/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$12,269
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,598
−HK$334/mo
Today · 4.125%
HK$12,932
baseline
▲ 0.50% · 4.625%
HK$13,613
+HK$681/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,864/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$14,179
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,620
−HK$448/mo
Today · 4.125%
HK$15,068
baseline
▲ 0.50% · 4.625%
HK$15,985
+HK$917/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$30,136/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$15,774
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,197
−HK$429/mo
Today · 4.125%
HK$16,626
baseline
▲ 0.50% · 4.625%
HK$17,503
+HK$877/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$33,252/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).