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$7,806
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,048
−HK$247/mo
Today · 4.125%
HK$8,295
baseline
▲ 0.50% · 4.625%
HK$8,800
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,590/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$8,684
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,917
−HK$236/mo
Today · 4.125%
HK$9,153
baseline
▲ 0.50% · 4.625%
HK$9,635
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,306/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$9,367
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,658
−HK$296/mo
Today · 4.125%
HK$9,954
baseline
▲ 0.50% · 4.625%
HK$10,560
+HK$606/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,908/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$10,420
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,700
−HK$283/mo
Today · 4.125%
HK$10,983
baseline
▲ 0.50% · 4.625%
HK$11,562
+HK$579/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,966/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$10,928
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,268
−HK$345/mo
Today · 4.125%
HK$11,613
baseline
▲ 0.50% · 4.625%
HK$12,320
+HK$707/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,226/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$12,157
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,483
−HK$331/mo
Today · 4.125%
HK$12,814
baseline
▲ 0.50% · 4.625%
HK$13,489
+HK$675/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,628/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$14,050
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,487
−HK$444/mo
Today · 4.125%
HK$14,931
baseline
▲ 0.50% · 4.625%
HK$15,840
+HK$909/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,862/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$15,631
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,050
−HK$425/mo
Today · 4.125%
HK$16,475
baseline
▲ 0.50% · 4.625%
HK$17,343
+HK$868/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,950/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).