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$7,740
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,981
−HK$244/mo
Today · 4.125%
HK$8,225
baseline
▲ 0.50% · 4.625%
HK$8,726
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,450/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$8,611
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,841
−HK$235/mo
Today · 4.125%
HK$9,076
baseline
▲ 0.50% · 4.625%
HK$9,554
+HK$478/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,152/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$9,288
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,577
−HK$293/mo
Today · 4.125%
HK$9,870
baseline
▲ 0.50% · 4.625%
HK$10,471
+HK$601/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,740/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$10,333
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,610
−HK$281/mo
Today · 4.125%
HK$10,891
baseline
▲ 0.50% · 4.625%
HK$11,465
+HK$574/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,782/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$10,836
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,173
−HK$342/mo
Today · 4.125%
HK$11,515
baseline
▲ 0.50% · 4.625%
HK$12,216
+HK$701/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,030/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$12,055
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,378
−HK$328/mo
Today · 4.125%
HK$12,706
baseline
▲ 0.50% · 4.625%
HK$13,376
+HK$670/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,412/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$13,932
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,365
−HK$440/mo
Today · 4.125%
HK$14,805
baseline
▲ 0.50% · 4.625%
HK$15,706
+HK$901/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,610/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$15,499
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,915
−HK$421/mo
Today · 4.125%
HK$16,336
baseline
▲ 0.50% · 4.625%
HK$17,197
+HK$861/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,672/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).