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$7,786
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,028
−HK$246/mo
Today · 4.125%
HK$8,274
baseline
▲ 0.50% · 4.625%
HK$8,778
+HK$504/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,548/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$8,662
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,894
−HK$236/mo
Today · 4.125%
HK$9,130
baseline
▲ 0.50% · 4.625%
HK$9,611
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,260/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$9,343
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,634
−HK$295/mo
Today · 4.125%
HK$9,929
baseline
▲ 0.50% · 4.625%
HK$10,533
+HK$604/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,858/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$10,394
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,673
−HK$283/mo
Today · 4.125%
HK$10,956
baseline
▲ 0.50% · 4.625%
HK$11,533
+HK$577/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,912/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$10,900
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,239
−HK$345/mo
Today · 4.125%
HK$11,584
baseline
▲ 0.50% · 4.625%
HK$12,289
+HK$705/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,168/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$12,127
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,452
−HK$330/mo
Today · 4.125%
HK$12,782
baseline
▲ 0.50% · 4.625%
HK$13,455
+HK$673/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,564/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$14,015
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,451
−HK$443/mo
Today · 4.125%
HK$14,894
baseline
▲ 0.50% · 4.625%
HK$15,800
+HK$906/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,788/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$15,591
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,009
−HK$425/mo
Today · 4.125%
HK$16,434
baseline
▲ 0.50% · 4.625%
HK$17,300
+HK$866/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,868/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).