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$7,789
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,032
−HK$246/mo
Today · 4.125%
HK$8,278
baseline
▲ 0.50% · 4.625%
HK$8,781
+HK$503/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,556/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$8,666
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,898
−HK$236/mo
Today · 4.125%
HK$9,134
baseline
▲ 0.50% · 4.625%
HK$9,615
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,268/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$9,347
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,638
−HK$295/mo
Today · 4.125%
HK$9,933
baseline
▲ 0.50% · 4.625%
HK$10,538
+HK$605/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,866/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$10,399
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,677
−HK$283/mo
Today · 4.125%
HK$10,960
baseline
▲ 0.50% · 4.625%
HK$11,538
+HK$578/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,920/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$10,905
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,244
−HK$345/mo
Today · 4.125%
HK$11,589
baseline
▲ 0.50% · 4.625%
HK$12,294
+HK$705/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,178/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$12,132
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,457
−HK$330/mo
Today · 4.125%
HK$12,787
baseline
▲ 0.50% · 4.625%
HK$13,461
+HK$674/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,574/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$14,021
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,457
−HK$443/mo
Today · 4.125%
HK$14,900
baseline
▲ 0.50% · 4.625%
HK$15,807
+HK$907/mo
Deposit HK$342K · loan HK$3.07M · min. income ≈ HK$29,800/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$15,598
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,016
−HK$425/mo
Today · 4.125%
HK$16,441
baseline
▲ 0.50% · 4.625%
HK$17,307
+HK$866/mo
Deposit HK$342K · loan HK$3.07M · min. income ≈ HK$32,882/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).