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$8,014
−HK$245/mo
Today · 4.125%
HK$8,259
baseline
▲ 0.50% · 4.625%
HK$8,762
+HK$503/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$9,594
+HK$481/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$561/mo
▼ 0.25% · 3.875%
HK$10,654
−HK$282/mo
Today · 4.125%
HK$10,936
baseline
▲ 0.50% · 4.625%
HK$11,512
+HK$576/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,872/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$10,881
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,219
−HK$344/mo
Today · 4.125%
HK$11,563
baseline
▲ 0.50% · 4.625%
HK$12,266
+HK$703/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,126/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$12,105
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,429
−HK$330/mo
Today · 4.125%
HK$12,759
baseline
▲ 0.50% · 4.625%
HK$13,431
+HK$672/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,518/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$878/mo
▼ 0.25% · 3.875%
HK$14,424
−HK$443/mo
Today · 4.125%
HK$14,867
baseline
▲ 0.50% · 4.625%
HK$15,771
+HK$904/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,734/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$15,563
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,980
−HK$424/mo
Today · 4.125%
HK$16,404
baseline
▲ 0.50% · 4.625%
HK$17,268
+HK$864/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,808/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).