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$7,773
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,014
−HK$246/mo
Today · 4.125%
HK$8,260
baseline
▲ 0.50% · 4.625%
HK$8,763
+HK$503/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,520/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$8,647
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,879
−HK$235/mo
Today · 4.125%
HK$9,114
baseline
▲ 0.50% · 4.625%
HK$9,594
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,228/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$9,327
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,617
−HK$295/mo
Today · 4.125%
HK$9,912
baseline
▲ 0.50% · 4.625%
HK$10,515
+HK$603/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$19,824/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$10,376
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,654
−HK$283/mo
Today · 4.125%
HK$10,937
baseline
▲ 0.50% · 4.625%
HK$11,513
+HK$576/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$21,874/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$10,882
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,220
−HK$344/mo
Today · 4.125%
HK$11,564
baseline
▲ 0.50% · 4.625%
HK$12,268
+HK$704/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,128/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$12,106
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,430
−HK$330/mo
Today · 4.125%
HK$12,760
baseline
▲ 0.50% · 4.625%
HK$13,432
+HK$672/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,520/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$13,991
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,426
−HK$442/mo
Today · 4.125%
HK$14,868
baseline
▲ 0.50% · 4.625%
HK$15,773
+HK$905/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,736/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$15,564
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,982
−HK$423/mo
Today · 4.125%
HK$16,405
baseline
▲ 0.50% · 4.625%
HK$17,270
+HK$865/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,810/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).