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$7,783
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,025
−HK$246/mo
Today · 4.125%
HK$8,271
baseline
▲ 0.50% · 4.625%
HK$8,774
+HK$503/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,542/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$8,658
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,890
−HK$236/mo
Today · 4.125%
HK$9,126
baseline
▲ 0.50% · 4.625%
HK$9,607
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,252/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$9,339
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,630
−HK$295/mo
Today · 4.125%
HK$9,925
baseline
▲ 0.50% · 4.625%
HK$10,529
+HK$604/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,850/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$10,390
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,669
−HK$282/mo
Today · 4.125%
HK$10,951
baseline
▲ 0.50% · 4.625%
HK$11,528
+HK$577/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,902/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$10,896
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,235
−HK$344/mo
Today · 4.125%
HK$11,579
baseline
▲ 0.50% · 4.625%
HK$12,284
+HK$705/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,158/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$12,122
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,447
−HK$329/mo
Today · 4.125%
HK$12,776
baseline
▲ 0.50% · 4.625%
HK$13,450
+HK$674/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,552/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$14,009
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,445
−HK$442/mo
Today · 4.125%
HK$14,887
baseline
▲ 0.50% · 4.625%
HK$15,793
+HK$906/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,774/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$15,585
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,003
−HK$424/mo
Today · 4.125%
HK$16,427
baseline
▲ 0.50% · 4.625%
HK$17,293
+HK$866/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,854/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).