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$7,820
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,063
−HK$247/mo
Today · 4.125%
HK$8,310
baseline
▲ 0.50% · 4.625%
HK$8,816
+HK$506/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,620/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$8,700
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,933
−HK$237/mo
Today · 4.125%
HK$9,170
baseline
▲ 0.50% · 4.625%
HK$9,653
+HK$483/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,340/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$9,384
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,676
−HK$296/mo
Today · 4.125%
HK$9,972
baseline
▲ 0.50% · 4.625%
HK$10,579
+HK$607/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,944/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$10,439
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,719
−HK$285/mo
Today · 4.125%
HK$11,004
baseline
▲ 0.50% · 4.625%
HK$11,584
+HK$580/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,008/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$10,948
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,288
−HK$346/mo
Today · 4.125%
HK$11,634
baseline
▲ 0.50% · 4.625%
HK$12,342
+HK$708/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,268/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$12,179
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,506
−HK$331/mo
Today · 4.125%
HK$12,837
baseline
▲ 0.50% · 4.625%
HK$13,514
+HK$677/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,674/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$14,076
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,514
−HK$445/mo
Today · 4.125%
HK$14,959
baseline
▲ 0.50% · 4.625%
HK$15,869
+HK$910/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$29,918/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$15,659
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,079
−HK$426/mo
Today · 4.125%
HK$16,505
baseline
▲ 0.50% · 4.625%
HK$17,375
+HK$870/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$33,010/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).