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$7,769
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,011
−HK$245/mo
Today · 4.125%
HK$8,256
baseline
▲ 0.50% · 4.625%
HK$8,759
+HK$503/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,512/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,643
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,875
−HK$235/mo
Today · 4.125%
HK$9,110
baseline
▲ 0.50% · 4.625%
HK$9,590
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,220/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,323
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,613
−HK$294/mo
Today · 4.125%
HK$9,907
baseline
▲ 0.50% · 4.625%
HK$10,510
+HK$603/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,814/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,372
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,650
−HK$282/mo
Today · 4.125%
HK$10,932
baseline
▲ 0.50% · 4.625%
HK$11,508
+HK$576/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,864/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,877
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,215
−HK$344/mo
Today · 4.125%
HK$11,559
baseline
▲ 0.50% · 4.625%
HK$12,262
+HK$703/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,118/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$12,100
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,425
−HK$329/mo
Today · 4.125%
HK$12,754
baseline
▲ 0.50% · 4.625%
HK$13,426
+HK$672/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,508/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$13,984
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,419
−HK$442/mo
Today · 4.125%
HK$14,861
baseline
▲ 0.50% · 4.625%
HK$15,765
+HK$904/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,722/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$15,557
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,975
−HK$423/mo
Today · 4.125%
HK$16,398
baseline
▲ 0.50% · 4.625%
HK$17,262
+HK$864/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,796/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).