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$7,817
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,060
−HK$247/mo
Today · 4.125%
HK$8,307
baseline
▲ 0.50% · 4.625%
HK$8,813
+HK$506/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,614/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$8,696
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,929
−HK$237/mo
Today · 4.125%
HK$9,166
baseline
▲ 0.50% · 4.625%
HK$9,649
+HK$483/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,332/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$9,380
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,672
−HK$297/mo
Today · 4.125%
HK$9,969
baseline
▲ 0.50% · 4.625%
HK$10,575
+HK$606/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,938/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$10,435
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,715
−HK$284/mo
Today · 4.125%
HK$10,999
baseline
▲ 0.50% · 4.625%
HK$11,579
+HK$580/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$21,998/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$10,944
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,284
−HK$346/mo
Today · 4.125%
HK$11,630
baseline
▲ 0.50% · 4.625%
HK$12,338
+HK$708/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,260/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$12,175
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,501
−HK$331/mo
Today · 4.125%
HK$12,832
baseline
▲ 0.50% · 4.625%
HK$13,509
+HK$677/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,664/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$14,070
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,508
−HK$445/mo
Today · 4.125%
HK$14,953
baseline
▲ 0.50% · 4.625%
HK$15,863
+HK$910/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$29,906/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$15,653
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,073
−HK$426/mo
Today · 4.125%
HK$16,499
baseline
▲ 0.50% · 4.625%
HK$17,369
+HK$870/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$32,998/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).