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$7,814
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,057
−HK$247/mo
Today · 4.125%
HK$8,304
baseline
▲ 0.50% · 4.625%
HK$8,810
+HK$506/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,608/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$8,693
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,926
−HK$237/mo
Today · 4.125%
HK$9,163
baseline
▲ 0.50% · 4.625%
HK$9,646
+HK$483/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,326/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$9,377
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,669
−HK$296/mo
Today · 4.125%
HK$9,965
baseline
▲ 0.50% · 4.625%
HK$10,572
+HK$607/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,930/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$10,432
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,712
−HK$284/mo
Today · 4.125%
HK$10,996
baseline
▲ 0.50% · 4.625%
HK$11,575
+HK$579/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$21,992/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$10,940
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,280
−HK$346/mo
Today · 4.125%
HK$11,626
baseline
▲ 0.50% · 4.625%
HK$12,333
+HK$707/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,252/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$12,171
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,497
−HK$331/mo
Today · 4.125%
HK$12,828
baseline
▲ 0.50% · 4.625%
HK$13,504
+HK$676/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,656/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$14,066
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,503
−HK$445/mo
Today · 4.125%
HK$14,948
baseline
▲ 0.50% · 4.625%
HK$15,857
+HK$909/mo
Deposit HK$343K · loan HK$3.08M · min. income ≈ HK$29,896/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$15,648
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,068
−HK$425/mo
Today · 4.125%
HK$16,493
baseline
▲ 0.50% · 4.625%
HK$17,363
+HK$870/mo
Deposit HK$343K · loan HK$3.08M · min. income ≈ HK$32,986/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).