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$7,810
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,053
−HK$247/mo
Today · 4.125%
HK$8,300
baseline
▲ 0.50% · 4.625%
HK$8,805
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,600/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$8,689
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,922
−HK$237/mo
Today · 4.125%
HK$9,159
baseline
▲ 0.50% · 4.625%
HK$9,641
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,318/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$9,373
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,664
−HK$296/mo
Today · 4.125%
HK$9,960
baseline
▲ 0.50% · 4.625%
HK$10,566
+HK$606/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,920/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$10,427
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,707
−HK$283/mo
Today · 4.125%
HK$10,990
baseline
▲ 0.50% · 4.625%
HK$11,570
+HK$580/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$21,980/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$10,935
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,275
−HK$345/mo
Today · 4.125%
HK$11,620
baseline
▲ 0.50% · 4.625%
HK$12,327
+HK$707/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,240/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$12,165
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,491
−HK$331/mo
Today · 4.125%
HK$12,822
baseline
▲ 0.50% · 4.625%
HK$13,498
+HK$676/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,644/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$14,059
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,496
−HK$444/mo
Today · 4.125%
HK$14,940
baseline
▲ 0.50% · 4.625%
HK$15,850
+HK$910/mo
Deposit HK$343K · loan HK$3.08M · min. income ≈ HK$29,880/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$15,640
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,060
−HK$425/mo
Today · 4.125%
HK$16,485
baseline
▲ 0.50% · 4.625%
HK$17,354
+HK$869/mo
Deposit HK$343K · loan HK$3.08M · min. income ≈ HK$32,970/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).