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$7,740
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,981
−HK$245/mo
Today · 4.125%
HK$8,226
baseline
▲ 0.50% · 4.625%
HK$8,726
+HK$500/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,452/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$8,611
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,842
−HK$234/mo
Today · 4.125%
HK$9,076
baseline
▲ 0.50% · 4.625%
HK$9,555
+HK$479/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,152/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$9,289
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,577
−HK$294/mo
Today · 4.125%
HK$9,871
baseline
▲ 0.50% · 4.625%
HK$10,472
+HK$601/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,742/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$10,333
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,611
−HK$281/mo
Today · 4.125%
HK$10,892
baseline
▲ 0.50% · 4.625%
HK$11,466
+HK$574/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,784/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$10,837
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,174
−HK$342/mo
Today · 4.125%
HK$11,516
baseline
▲ 0.50% · 4.625%
HK$12,217
+HK$701/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,032/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$12,056
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,379
−HK$328/mo
Today · 4.125%
HK$12,707
baseline
▲ 0.50% · 4.625%
HK$13,377
+HK$670/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,414/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$13,933
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,366
−HK$441/mo
Today · 4.125%
HK$14,807
baseline
▲ 0.50% · 4.625%
HK$15,707
+HK$900/mo
Deposit HK$339K · loan HK$3.06M · min. income ≈ HK$29,614/mo (50% DSR)
Upfront cash ≈ HK$340K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,500
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,916
−HK$422/mo
Today · 4.125%
HK$16,338
baseline
▲ 0.50% · 4.625%
HK$17,199
+HK$861/mo
Deposit HK$339K · loan HK$3.06M · min. income ≈ HK$32,676/mo (50% DSR)
Upfront cash ≈ HK$340K (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).