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$7,779
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,021
−HK$246/mo
Today · 4.125%
HK$8,267
baseline
▲ 0.50% · 4.625%
HK$8,770
+HK$503/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,534/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$8,654
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,886
−HK$235/mo
Today · 4.125%
HK$9,121
baseline
▲ 0.50% · 4.625%
HK$9,602
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,242/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$9,335
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,625
−HK$295/mo
Today · 4.125%
HK$9,920
baseline
▲ 0.50% · 4.625%
HK$10,524
+HK$604/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$19,840/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$10,385
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,663
−HK$283/mo
Today · 4.125%
HK$10,946
baseline
▲ 0.50% · 4.625%
HK$11,523
+HK$577/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$21,892/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$10,890
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,229
−HK$344/mo
Today · 4.125%
HK$11,573
baseline
▲ 0.50% · 4.625%
HK$12,277
+HK$704/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,146/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$12,115
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,440
−HK$330/mo
Today · 4.125%
HK$12,770
baseline
▲ 0.50% · 4.625%
HK$13,443
+HK$673/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,540/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$14,002
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,437
−HK$443/mo
Today · 4.125%
HK$14,880
baseline
▲ 0.50% · 4.625%
HK$15,785
+HK$905/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,760/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$15,577
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,995
−HK$424/mo
Today · 4.125%
HK$16,419
baseline
▲ 0.50% · 4.625%
HK$17,284
+HK$865/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,838/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).