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$7,799
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,042
−HK$246/mo
Today · 4.125%
HK$8,288
baseline
▲ 0.50% · 4.625%
HK$8,793
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,576/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$8,677
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,909
−HK$236/mo
Today · 4.125%
HK$9,145
baseline
▲ 0.50% · 4.625%
HK$9,627
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,290/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$9,359
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,650
−HK$296/mo
Today · 4.125%
HK$9,946
baseline
▲ 0.50% · 4.625%
HK$10,551
+HK$605/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,892/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$10,412
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,691
−HK$283/mo
Today · 4.125%
HK$10,974
baseline
▲ 0.50% · 4.625%
HK$11,553
+HK$579/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,948/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$10,919
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,259
−HK$345/mo
Today · 4.125%
HK$11,604
baseline
▲ 0.50% · 4.625%
HK$12,310
+HK$706/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$23,208/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$12,147
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,473
−HK$330/mo
Today · 4.125%
HK$12,803
baseline
▲ 0.50% · 4.625%
HK$13,478
+HK$675/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$25,606/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$14,039
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,475
−HK$444/mo
Today · 4.125%
HK$14,919
baseline
▲ 0.50% · 4.625%
HK$15,827
+HK$908/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,838/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$15,618
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,037
−HK$425/mo
Today · 4.125%
HK$16,462
baseline
▲ 0.50% · 4.625%
HK$17,329
+HK$867/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,924/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).