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$7,816
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,060
−HK$247/mo
Today · 4.125%
HK$8,307
baseline
▲ 0.50% · 4.625%
HK$8,812
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,614/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$8,696
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,929
−HK$237/mo
Today · 4.125%
HK$9,166
baseline
▲ 0.50% · 4.625%
HK$9,649
+HK$483/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,332/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$9,380
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,672
−HK$296/mo
Today · 4.125%
HK$9,968
baseline
▲ 0.50% · 4.625%
HK$10,574
+HK$606/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,936/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$10,435
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,715
−HK$284/mo
Today · 4.125%
HK$10,999
baseline
▲ 0.50% · 4.625%
HK$11,578
+HK$579/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$21,998/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$10,943
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,283
−HK$346/mo
Today · 4.125%
HK$11,629
baseline
▲ 0.50% · 4.625%
HK$12,337
+HK$708/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,258/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,174
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,501
−HK$331/mo
Today · 4.125%
HK$12,832
baseline
▲ 0.50% · 4.625%
HK$13,508
+HK$676/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,664/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,070
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,507
−HK$445/mo
Today · 4.125%
HK$14,952
baseline
▲ 0.50% · 4.625%
HK$15,862
+HK$910/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$29,904/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,652
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,072
−HK$426/mo
Today · 4.125%
HK$16,498
baseline
▲ 0.50% · 4.625%
HK$17,368
+HK$870/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$32,996/mo (50% DSR)
Upfront cash ≈ HK$343K (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).