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$7,811
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,054
−HK$247/mo
Today · 4.125%
HK$8,301
baseline
▲ 0.50% · 4.625%
HK$8,806
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,602/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$8,690
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,923
−HK$236/mo
Today · 4.125%
HK$9,159
baseline
▲ 0.50% · 4.625%
HK$9,642
+HK$483/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,318/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$9,373
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,665
−HK$296/mo
Today · 4.125%
HK$9,961
baseline
▲ 0.50% · 4.625%
HK$10,567
+HK$606/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,922/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$10,427
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,707
−HK$284/mo
Today · 4.125%
HK$10,991
baseline
▲ 0.50% · 4.625%
HK$11,570
+HK$579/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$21,982/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$10,935
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,275
−HK$346/mo
Today · 4.125%
HK$11,621
baseline
▲ 0.50% · 4.625%
HK$12,328
+HK$707/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,242/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$12,165
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,492
−HK$331/mo
Today · 4.125%
HK$12,823
baseline
▲ 0.50% · 4.625%
HK$13,499
+HK$676/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,646/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$14,060
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,497
−HK$444/mo
Today · 4.125%
HK$14,941
baseline
▲ 0.50% · 4.625%
HK$15,850
+HK$909/mo
Deposit HK$343K · loan HK$3.08M · min. income ≈ HK$29,882/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,641
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,061
−HK$425/mo
Today · 4.125%
HK$16,486
baseline
▲ 0.50% · 4.625%
HK$17,355
+HK$869/mo
Deposit HK$343K · loan HK$3.08M · min. income ≈ HK$32,972/mo (50% DSR)
Upfront cash ≈ HK$343K (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).