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$7,804
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,047
−HK$246/mo
Today · 4.125%
HK$8,293
baseline
▲ 0.50% · 4.625%
HK$8,798
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,586/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$8,682
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,915
−HK$236/mo
Today · 4.125%
HK$9,151
baseline
▲ 0.50% · 4.625%
HK$9,633
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,302/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$9,365
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,656
−HK$296/mo
Today · 4.125%
HK$9,952
baseline
▲ 0.50% · 4.625%
HK$10,557
+HK$605/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,904/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$10,418
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,698
−HK$283/mo
Today · 4.125%
HK$10,981
baseline
▲ 0.50% · 4.625%
HK$11,560
+HK$579/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,962/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$10,925
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,265
−HK$346/mo
Today · 4.125%
HK$11,611
baseline
▲ 0.50% · 4.625%
HK$12,317
+HK$706/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,222/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$12,154
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,480
−HK$331/mo
Today · 4.125%
HK$12,811
baseline
▲ 0.50% · 4.625%
HK$13,486
+HK$675/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,622/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$14,047
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,484
−HK$444/mo
Today · 4.125%
HK$14,928
baseline
▲ 0.50% · 4.625%
HK$15,836
+HK$908/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,856/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$15,627
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,046
−HK$425/mo
Today · 4.125%
HK$16,471
baseline
▲ 0.50% · 4.625%
HK$17,340
+HK$869/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,942/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).