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$7,741
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,982
−HK$245/mo
Today · 4.125%
HK$8,227
baseline
▲ 0.50% · 4.625%
HK$8,727
+HK$500/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,454/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$8,612
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,843
−HK$235/mo
Today · 4.125%
HK$9,078
baseline
▲ 0.50% · 4.625%
HK$9,556
+HK$478/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,156/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$9,290
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,579
−HK$293/mo
Today · 4.125%
HK$9,872
baseline
▲ 0.50% · 4.625%
HK$10,473
+HK$601/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,744/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$10,335
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,612
−HK$281/mo
Today · 4.125%
HK$10,893
baseline
▲ 0.50% · 4.625%
HK$11,467
+HK$574/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,786/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$10,838
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,175
−HK$343/mo
Today · 4.125%
HK$11,518
baseline
▲ 0.50% · 4.625%
HK$12,218
+HK$700/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,036/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$12,057
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,381
−HK$328/mo
Today · 4.125%
HK$12,709
baseline
▲ 0.50% · 4.625%
HK$13,378
+HK$669/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,418/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$13,935
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,368
−HK$440/mo
Today · 4.125%
HK$14,808
baseline
▲ 0.50% · 4.625%
HK$15,709
+HK$901/mo
Deposit HK$339K · loan HK$3.06M · min. income ≈ HK$29,616/mo (50% DSR)
Upfront cash ≈ HK$340K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,502
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,918
−HK$422/mo
Today · 4.125%
HK$16,340
baseline
▲ 0.50% · 4.625%
HK$17,201
+HK$861/mo
Deposit HK$339K · loan HK$3.06M · min. income ≈ HK$32,680/mo (50% DSR)
Upfront cash ≈ HK$340K (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).