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$7,767
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,008
−HK$246/mo
Today · 4.125%
HK$8,254
baseline
▲ 0.50% · 4.625%
HK$8,756
+HK$502/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,508/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$8,640
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,872
−HK$235/mo
Today · 4.125%
HK$9,107
baseline
▲ 0.50% · 4.625%
HK$9,587
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,214/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$9,320
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,610
−HK$295/mo
Today · 4.125%
HK$9,905
baseline
▲ 0.50% · 4.625%
HK$10,507
+HK$602/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,810/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$10,368
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,647
−HK$282/mo
Today · 4.125%
HK$10,929
baseline
▲ 0.50% · 4.625%
HK$11,505
+HK$576/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,858/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$10,873
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,212
−HK$343/mo
Today · 4.125%
HK$11,555
baseline
▲ 0.50% · 4.625%
HK$12,258
+HK$703/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,110/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$12,097
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,421
−HK$329/mo
Today · 4.125%
HK$12,750
baseline
▲ 0.50% · 4.625%
HK$13,422
+HK$672/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,500/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$13,980
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,415
−HK$442/mo
Today · 4.125%
HK$14,857
baseline
▲ 0.50% · 4.625%
HK$15,761
+HK$904/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,714/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$15,553
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,970
−HK$423/mo
Today · 4.125%
HK$16,393
baseline
▲ 0.50% · 4.625%
HK$17,257
+HK$864/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,786/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).