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$7,730
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,971
−HK$244/mo
Today · 4.125%
HK$8,215
baseline
▲ 0.50% · 4.625%
HK$8,715
+HK$500/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,430/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$8,600
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,830
−HK$234/mo
Today · 4.125%
HK$9,064
baseline
▲ 0.50% · 4.625%
HK$9,542
+HK$478/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,128/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$9,276
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,565
−HK$293/mo
Today · 4.125%
HK$9,858
baseline
▲ 0.50% · 4.625%
HK$10,458
+HK$600/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$19,716/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$10,320
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,596
−HK$281/mo
Today · 4.125%
HK$10,877
baseline
▲ 0.50% · 4.625%
HK$11,450
+HK$573/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$21,754/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$10,822
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,159
−HK$342/mo
Today · 4.125%
HK$11,501
baseline
▲ 0.50% · 4.625%
HK$12,201
+HK$700/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$23,002/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$12,040
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,362
−HK$328/mo
Today · 4.125%
HK$12,690
baseline
▲ 0.50% · 4.625%
HK$13,359
+HK$669/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,380/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$13,914
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,347
−HK$440/mo
Today · 4.125%
HK$14,787
baseline
▲ 0.50% · 4.625%
HK$15,686
+HK$899/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,574/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$15,479
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,895
−HK$421/mo
Today · 4.125%
HK$16,316
baseline
▲ 0.50% · 4.625%
HK$17,176
+HK$860/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,632/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).