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$7,782
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,024
−HK$246/mo
Today · 4.125%
HK$8,270
baseline
▲ 0.50% · 4.625%
HK$8,773
+HK$503/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,540/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$8,657
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,889
−HK$236/mo
Today · 4.125%
HK$9,125
baseline
▲ 0.50% · 4.625%
HK$9,606
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,250/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$9,338
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,628
−HK$296/mo
Today · 4.125%
HK$9,924
baseline
▲ 0.50% · 4.625%
HK$10,527
+HK$603/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,848/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$10,388
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,667
−HK$283/mo
Today · 4.125%
HK$10,950
baseline
▲ 0.50% · 4.625%
HK$11,527
+HK$577/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,900/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$10,894
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,233
−HK$345/mo
Today · 4.125%
HK$11,578
baseline
▲ 0.50% · 4.625%
HK$12,282
+HK$704/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,156/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$12,120
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,445
−HK$330/mo
Today · 4.125%
HK$12,775
baseline
▲ 0.50% · 4.625%
HK$13,448
+HK$673/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,550/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$14,007
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,443
−HK$442/mo
Today · 4.125%
HK$14,885
baseline
▲ 0.50% · 4.625%
HK$15,791
+HK$906/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,770/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$15,583
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,001
−HK$424/mo
Today · 4.125%
HK$16,425
baseline
▲ 0.50% · 4.625%
HK$17,290
+HK$865/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,850/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).