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$7,819
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,062
−HK$247/mo
Today · 4.125%
HK$8,309
baseline
▲ 0.50% · 4.625%
HK$8,815
+HK$506/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,618/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$8,699
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,932
−HK$237/mo
Today · 4.125%
HK$9,169
baseline
▲ 0.50% · 4.625%
HK$9,652
+HK$483/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,338/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$9,383
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,675
−HK$296/mo
Today · 4.125%
HK$9,971
baseline
▲ 0.50% · 4.625%
HK$10,578
+HK$607/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,942/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$10,438
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,718
−HK$284/mo
Today · 4.125%
HK$11,002
baseline
▲ 0.50% · 4.625%
HK$11,582
+HK$580/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,004/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$10,947
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,287
−HK$346/mo
Today · 4.125%
HK$11,633
baseline
▲ 0.50% · 4.625%
HK$12,341
+HK$708/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,266/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$12,178
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,505
−HK$331/mo
Today · 4.125%
HK$12,836
baseline
▲ 0.50% · 4.625%
HK$13,513
+HK$677/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,672/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$14,074
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,512
−HK$445/mo
Today · 4.125%
HK$14,957
baseline
▲ 0.50% · 4.625%
HK$15,867
+HK$910/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$29,914/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$15,658
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,077
−HK$426/mo
Today · 4.125%
HK$16,503
baseline
▲ 0.50% · 4.625%
HK$17,373
+HK$870/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$33,006/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).