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$7,795
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,038
−HK$246/mo
Today · 4.125%
HK$8,284
baseline
▲ 0.50% · 4.625%
HK$8,788
+HK$504/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,568/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$8,672
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,905
−HK$236/mo
Today · 4.125%
HK$9,141
baseline
▲ 0.50% · 4.625%
HK$9,623
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,282/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$9,354
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,645
−HK$296/mo
Today · 4.125%
HK$9,941
baseline
▲ 0.50% · 4.625%
HK$10,546
+HK$605/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,882/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$10,407
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,686
−HK$283/mo
Today · 4.125%
HK$10,969
baseline
▲ 0.50% · 4.625%
HK$11,547
+HK$578/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,938/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$10,913
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,253
−HK$345/mo
Today · 4.125%
HK$11,598
baseline
▲ 0.50% · 4.625%
HK$12,304
+HK$706/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$23,196/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$12,141
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,467
−HK$330/mo
Today · 4.125%
HK$12,797
baseline
▲ 0.50% · 4.625%
HK$13,472
+HK$675/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$25,594/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$14,032
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,468
−HK$443/mo
Today · 4.125%
HK$14,911
baseline
▲ 0.50% · 4.625%
HK$15,819
+HK$908/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,822/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$15,610
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,029
−HK$424/mo
Today · 4.125%
HK$16,453
baseline
▲ 0.50% · 4.625%
HK$17,321
+HK$868/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,906/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).