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$7,737
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,978
−HK$244/mo
Today · 4.125%
HK$8,222
baseline
▲ 0.50% · 4.625%
HK$8,723
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,444/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$8,607
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,838
−HK$235/mo
Today · 4.125%
HK$9,073
baseline
▲ 0.50% · 4.625%
HK$9,551
+HK$478/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,146/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$9,285
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,573
−HK$294/mo
Today · 4.125%
HK$9,867
baseline
▲ 0.50% · 4.625%
HK$10,467
+HK$600/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,734/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$10,329
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,606
−HK$281/mo
Today · 4.125%
HK$10,887
baseline
▲ 0.50% · 4.625%
HK$11,461
+HK$574/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,774/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$10,832
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,169
−HK$342/mo
Today · 4.125%
HK$11,511
baseline
▲ 0.50% · 4.625%
HK$12,212
+HK$701/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,022/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$12,050
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,374
−HK$328/mo
Today · 4.125%
HK$12,702
baseline
▲ 0.50% · 4.625%
HK$13,371
+HK$669/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,404/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$13,927
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,360
−HK$440/mo
Today · 4.125%
HK$14,800
baseline
▲ 0.50% · 4.625%
HK$15,701
+HK$901/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,600/mo (50% DSR)
Upfront cash ≈ HK$339K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,493
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,909
−HK$422/mo
Today · 4.125%
HK$16,331
baseline
▲ 0.50% · 4.625%
HK$17,191
+HK$860/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,662/mo (50% DSR)
Upfront cash ≈ HK$339K (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).