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$7,900
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,146
−HK$250/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$8,789
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,025
−HK$239/mo
Today · 4.125%
HK$9,264
baseline
▲ 0.50% · 4.625%
HK$9,752
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,528/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$594/mo
▼ 0.25% · 3.875%
HK$9,775
−HK$300/mo
Today · 4.125%
HK$10,075
baseline
▲ 0.50% · 4.625%
HK$10,688
+HK$613/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,150/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$10,547
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,830
−HK$287/mo
Today · 4.125%
HK$11,117
baseline
▲ 0.50% · 4.625%
HK$11,703
+HK$586/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,234/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$693/mo
▼ 0.25% · 3.875%
HK$11,405
−HK$349/mo
Today · 4.125%
HK$11,754
baseline
▲ 0.50% · 4.625%
HK$12,469
+HK$715/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,508/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$12,305
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,635
−HK$335/mo
Today · 4.125%
HK$12,970
baseline
▲ 0.50% · 4.625%
HK$13,653
+HK$683/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$14,221
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,663
−HK$450/mo
Today · 4.125%
HK$15,113
baseline
▲ 0.50% · 4.625%
HK$16,032
+HK$919/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$30,226/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$854/mo
▼ 0.25% · 3.875%
HK$16,245
−HK$430/mo
Today · 4.125%
HK$16,675
baseline
▲ 0.50% · 4.625%
HK$17,554
+HK$879/mo
Deposit HK$346K · loan HK$3.12M · min. income ≈ HK$33,350/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).