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$489/mo
▼ 0.25% · 3.875%
HK$8,035
−HK$246/mo
Today · 4.125%
HK$8,281
baseline
▲ 0.50% · 4.625%
HK$8,785
+HK$504/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,562/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$8,669
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,901
−HK$236/mo
Today · 4.125%
HK$9,137
baseline
▲ 0.50% · 4.625%
HK$9,619
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,274/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$9,351
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,642
−HK$295/mo
Today · 4.125%
HK$9,937
baseline
▲ 0.50% · 4.625%
HK$10,542
+HK$605/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,874/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$10,403
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,682
−HK$283/mo
Today · 4.125%
HK$10,965
baseline
▲ 0.50% · 4.625%
HK$11,543
+HK$578/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,930/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$10,909
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,249
−HK$344/mo
Today · 4.125%
HK$11,593
baseline
▲ 0.50% · 4.625%
HK$12,299
+HK$706/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$23,186/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$12,136
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,462
−HK$330/mo
Today · 4.125%
HK$12,792
baseline
▲ 0.50% · 4.625%
HK$13,466
+HK$674/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$25,584/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$14,026
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,463
−HK$443/mo
Today · 4.125%
HK$14,906
baseline
▲ 0.50% · 4.625%
HK$15,813
+HK$907/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,812/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$15,604
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,023
−HK$424/mo
Today · 4.125%
HK$16,447
baseline
▲ 0.50% · 4.625%
HK$17,314
+HK$867/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,894/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).