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$7,772
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,014
−HK$246/mo
Today · 4.125%
HK$8,260
baseline
▲ 0.50% · 4.625%
HK$8,762
+HK$502/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,520/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,646
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,878
−HK$236/mo
Today · 4.125%
HK$9,114
baseline
▲ 0.50% · 4.625%
HK$9,594
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,228/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,327
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,617
−HK$294/mo
Today · 4.125%
HK$9,911
baseline
▲ 0.50% · 4.625%
HK$10,515
+HK$604/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$19,822/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,376
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,654
−HK$282/mo
Today · 4.125%
HK$10,936
baseline
▲ 0.50% · 4.625%
HK$11,513
+HK$577/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$21,872/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,881
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,219
−HK$344/mo
Today · 4.125%
HK$11,563
baseline
▲ 0.50% · 4.625%
HK$12,267
+HK$704/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,126/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,105
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,430
−HK$329/mo
Today · 4.125%
HK$12,759
baseline
▲ 0.50% · 4.625%
HK$13,432
+HK$673/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,518/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,990
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,425
−HK$442/mo
Today · 4.125%
HK$14,867
baseline
▲ 0.50% · 4.625%
HK$15,772
+HK$905/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,734/mo (50% DSR)
Upfront cash ≈ HK$341K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,564
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,981
−HK$423/mo
Today · 4.125%
HK$16,404
baseline
▲ 0.50% · 4.625%
HK$17,269
+HK$865/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,808/mo (50% DSR)
Upfront cash ≈ HK$341K (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).