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$7,801
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,043
−HK$247/mo
Today · 4.125%
HK$8,290
baseline
▲ 0.50% · 4.625%
HK$8,794
+HK$504/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,580/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,678
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,911
−HK$236/mo
Today · 4.125%
HK$9,147
baseline
▲ 0.50% · 4.625%
HK$9,629
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,294/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,361
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,652
−HK$296/mo
Today · 4.125%
HK$9,948
baseline
▲ 0.50% · 4.625%
HK$10,553
+HK$605/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,896/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,414
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,693
−HK$284/mo
Today · 4.125%
HK$10,977
baseline
▲ 0.50% · 4.625%
HK$11,555
+HK$578/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,954/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,921
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,261
−HK$345/mo
Today · 4.125%
HK$11,606
baseline
▲ 0.50% · 4.625%
HK$12,312
+HK$706/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$23,212/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$12,150
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,475
−HK$331/mo
Today · 4.125%
HK$12,806
baseline
▲ 0.50% · 4.625%
HK$13,481
+HK$675/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$25,612/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$14,041
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,478
−HK$444/mo
Today · 4.125%
HK$14,922
baseline
▲ 0.50% · 4.625%
HK$15,830
+HK$908/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,844/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,621
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,040
−HK$425/mo
Today · 4.125%
HK$16,465
baseline
▲ 0.50% · 4.625%
HK$17,333
+HK$868/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,930/mo (50% DSR)
Upfront cash ≈ HK$342K (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).