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$7,792
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,034
−HK$246/mo
Today · 4.125%
HK$8,280
baseline
▲ 0.50% · 4.625%
HK$8,784
+HK$504/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,560/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$8,668
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,900
−HK$236/mo
Today · 4.125%
HK$9,136
baseline
▲ 0.50% · 4.625%
HK$9,618
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,272/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$9,350
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,641
−HK$295/mo
Today · 4.125%
HK$9,936
baseline
▲ 0.50% · 4.625%
HK$10,541
+HK$605/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,872/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$10,402
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,681
−HK$283/mo
Today · 4.125%
HK$10,964
baseline
▲ 0.50% · 4.625%
HK$11,541
+HK$577/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,928/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$10,908
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,247
−HK$345/mo
Today · 4.125%
HK$11,592
baseline
▲ 0.50% · 4.625%
HK$12,298
+HK$706/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$23,184/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$12,135
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,461
−HK$330/mo
Today · 4.125%
HK$12,791
baseline
▲ 0.50% · 4.625%
HK$13,465
+HK$674/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$25,582/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$14,025
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,461
−HK$443/mo
Today · 4.125%
HK$14,904
baseline
▲ 0.50% · 4.625%
HK$15,811
+HK$907/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,808/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,602
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,021
−HK$424/mo
Today · 4.125%
HK$16,445
baseline
▲ 0.50% · 4.625%
HK$17,312
+HK$867/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,890/mo (50% DSR)
Upfront cash ≈ HK$342K (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).