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$7,807
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,049
−HK$247/mo
Today · 4.125%
HK$8,296
baseline
▲ 0.50% · 4.625%
HK$8,801
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,592/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$8,685
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,918
−HK$236/mo
Today · 4.125%
HK$9,154
baseline
▲ 0.50% · 4.625%
HK$9,636
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,308/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$9,368
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,659
−HK$296/mo
Today · 4.125%
HK$9,955
baseline
▲ 0.50% · 4.625%
HK$10,561
+HK$606/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,910/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$10,422
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,701
−HK$284/mo
Today · 4.125%
HK$10,985
baseline
▲ 0.50% · 4.625%
HK$11,564
+HK$579/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,970/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$10,929
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,269
−HK$346/mo
Today · 4.125%
HK$11,615
baseline
▲ 0.50% · 4.625%
HK$12,321
+HK$706/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,230/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$12,159
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,485
−HK$330/mo
Today · 4.125%
HK$12,815
baseline
▲ 0.50% · 4.625%
HK$13,491
+HK$676/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,630/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$14,052
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,489
−HK$444/mo
Today · 4.125%
HK$14,933
baseline
▲ 0.50% · 4.625%
HK$15,842
+HK$909/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,866/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,632
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,052
−HK$425/mo
Today · 4.125%
HK$16,477
baseline
▲ 0.50% · 4.625%
HK$17,346
+HK$869/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,954/mo (50% DSR)
Upfront cash ≈ HK$342K (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).