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$7,773
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,015
−HK$246/mo
Today · 4.125%
HK$8,261
baseline
▲ 0.50% · 4.625%
HK$8,763
+HK$502/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,522/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$8,648
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,880
−HK$235/mo
Today · 4.125%
HK$9,115
baseline
▲ 0.50% · 4.625%
HK$9,595
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,230/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$9,328
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,618
−HK$295/mo
Today · 4.125%
HK$9,913
baseline
▲ 0.50% · 4.625%
HK$10,516
+HK$603/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$19,826/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$10,377
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,656
−HK$282/mo
Today · 4.125%
HK$10,938
baseline
▲ 0.50% · 4.625%
HK$11,514
+HK$576/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$21,876/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$10,883
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,221
−HK$344/mo
Today · 4.125%
HK$11,565
baseline
▲ 0.50% · 4.625%
HK$12,269
+HK$704/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,130/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$12,107
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,431
−HK$330/mo
Today · 4.125%
HK$12,761
baseline
▲ 0.50% · 4.625%
HK$13,433
+HK$672/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,522/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$13,992
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,427
−HK$442/mo
Today · 4.125%
HK$14,869
baseline
▲ 0.50% · 4.625%
HK$15,774
+HK$905/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,738/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$15,566
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,983
−HK$424/mo
Today · 4.125%
HK$16,407
baseline
▲ 0.50% · 4.625%
HK$17,272
+HK$865/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,814/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).