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$7,874
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,119
−HK$249/mo
Today · 4.125%
HK$8,368
baseline
▲ 0.50% · 4.625%
HK$8,877
+HK$509/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,736/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$8,760
−HK$474/mo
▼ 0.25% · 3.875%
HK$8,995
−HK$239/mo
Today · 4.125%
HK$9,234
baseline
▲ 0.50% · 4.625%
HK$9,720
+HK$486/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,468/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$9,449
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,743
−HK$299/mo
Today · 4.125%
HK$10,042
baseline
▲ 0.50% · 4.625%
HK$10,653
+HK$611/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,084/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$10,512
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,794
−HK$286/mo
Today · 4.125%
HK$11,080
baseline
▲ 0.50% · 4.625%
HK$11,664
+HK$584/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,160/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$11,024
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,367
−HK$349/mo
Today · 4.125%
HK$11,716
baseline
▲ 0.50% · 4.625%
HK$12,428
+HK$712/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,432/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$12,264
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,593
−HK$334/mo
Today · 4.125%
HK$12,927
baseline
▲ 0.50% · 4.625%
HK$13,608
+HK$681/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,854/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$14,174
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,615
−HK$448/mo
Today · 4.125%
HK$15,063
baseline
▲ 0.50% · 4.625%
HK$15,979
+HK$916/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$30,126/mo (50% DSR)
Upfront cash ≈ HK$345K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,768
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,191
−HK$429/mo
Today · 4.125%
HK$16,620
baseline
▲ 0.50% · 4.625%
HK$17,496
+HK$876/mo
Deposit HK$345K · loan HK$3.11M · min. income ≈ HK$33,240/mo (50% DSR)
Upfront cash ≈ HK$345K (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).