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$7,781
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,023
−HK$246/mo
Today · 4.125%
HK$8,269
baseline
▲ 0.50% · 4.625%
HK$8,772
+HK$503/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,538/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$8,657
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,889
−HK$235/mo
Today · 4.125%
HK$9,124
baseline
▲ 0.50% · 4.625%
HK$9,605
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,248/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$9,338
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,628
−HK$295/mo
Today · 4.125%
HK$9,923
baseline
▲ 0.50% · 4.625%
HK$10,527
+HK$604/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$19,846/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$10,388
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,667
−HK$282/mo
Today · 4.125%
HK$10,949
baseline
▲ 0.50% · 4.625%
HK$11,526
+HK$577/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$21,898/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$10,894
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,233
−HK$344/mo
Today · 4.125%
HK$11,577
baseline
▲ 0.50% · 4.625%
HK$12,281
+HK$704/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,154/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$12,119
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,444
−HK$330/mo
Today · 4.125%
HK$12,774
baseline
▲ 0.50% · 4.625%
HK$13,447
+HK$673/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,548/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$14,006
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,442
−HK$443/mo
Today · 4.125%
HK$14,885
baseline
▲ 0.50% · 4.625%
HK$15,790
+HK$905/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,770/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$15,582
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,000
−HK$424/mo
Today · 4.125%
HK$16,424
baseline
▲ 0.50% · 4.625%
HK$17,290
+HK$866/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,848/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).