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$7,797
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,039
−HK$247/mo
Today · 4.125%
HK$8,286
baseline
▲ 0.50% · 4.625%
HK$8,790
+HK$504/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,572/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$8,674
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,906
−HK$236/mo
Today · 4.125%
HK$9,142
baseline
▲ 0.50% · 4.625%
HK$9,624
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,284/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$9,356
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,647
−HK$296/mo
Today · 4.125%
HK$9,943
baseline
▲ 0.50% · 4.625%
HK$10,548
+HK$605/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,886/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$10,409
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,688
−HK$283/mo
Today · 4.125%
HK$10,971
baseline
▲ 0.50% · 4.625%
HK$11,549
+HK$578/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,942/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$10,915
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,255
−HK$345/mo
Today · 4.125%
HK$11,600
baseline
▲ 0.50% · 4.625%
HK$12,306
+HK$706/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$23,200/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$12,143
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,469
−HK$330/mo
Today · 4.125%
HK$12,799
baseline
▲ 0.50% · 4.625%
HK$13,474
+HK$675/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$25,598/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$14,034
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,471
−HK$443/mo
Today · 4.125%
HK$14,914
baseline
▲ 0.50% · 4.625%
HK$15,822
+HK$908/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,828/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$15,613
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,032
−HK$424/mo
Today · 4.125%
HK$16,456
baseline
▲ 0.50% · 4.625%
HK$17,324
+HK$868/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,912/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).