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$487/mo
▼ 0.25% · 3.875%
HK$8,013
−HK$246/mo
Today · 4.125%
HK$8,259
baseline
▲ 0.50% · 4.625%
HK$8,761
+HK$502/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,518/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$467/mo
▼ 0.25% · 3.875%
HK$8,878
−HK$235/mo
Today · 4.125%
HK$9,113
baseline
▲ 0.50% · 4.625%
HK$9,593
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,226/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$9,326
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,616
−HK$295/mo
Today · 4.125%
HK$9,911
baseline
▲ 0.50% · 4.625%
HK$10,514
+HK$603/mo
Deposit HK$1.36M · loan HK$2.04M · 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$10,375
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,653
−HK$282/mo
Today · 4.125%
HK$10,935
baseline
▲ 0.50% · 4.625%
HK$11,512
+HK$577/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,870/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$10,880
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,219
−HK$343/mo
Today · 4.125%
HK$11,562
baseline
▲ 0.50% · 4.625%
HK$12,266
+HK$704/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,124/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$12,104
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,429
−HK$329/mo
Today · 4.125%
HK$12,758
baseline
▲ 0.50% · 4.625%
HK$13,431
+HK$673/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,516/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$13,989
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,424
−HK$442/mo
Today · 4.125%
HK$14,866
baseline
▲ 0.50% · 4.625%
HK$15,771
+HK$905/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,732/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$15,562
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,980
−HK$423/mo
Today · 4.125%
HK$16,403
baseline
▲ 0.50% · 4.625%
HK$17,268
+HK$865/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,806/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).