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$7,739
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,979
−HK$245/mo
Today · 4.125%
HK$8,224
baseline
▲ 0.50% · 4.625%
HK$8,724
+HK$500/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,448/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$8,609
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,840
−HK$234/mo
Today · 4.125%
HK$9,074
baseline
▲ 0.50% · 4.625%
HK$9,553
+HK$479/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,148/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$9,286
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,575
−HK$294/mo
Today · 4.125%
HK$9,869
baseline
▲ 0.50% · 4.625%
HK$10,469
+HK$600/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,738/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$10,331
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,608
−HK$281/mo
Today · 4.125%
HK$10,889
baseline
▲ 0.50% · 4.625%
HK$11,463
+HK$574/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,778/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$10,834
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,171
−HK$342/mo
Today · 4.125%
HK$11,513
baseline
▲ 0.50% · 4.625%
HK$12,214
+HK$701/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,026/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$12,053
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,376
−HK$328/mo
Today · 4.125%
HK$12,704
baseline
▲ 0.50% · 4.625%
HK$13,374
+HK$670/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,408/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$13,930
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,363
−HK$440/mo
Today · 4.125%
HK$14,803
baseline
▲ 0.50% · 4.625%
HK$15,704
+HK$901/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,606/mo (50% DSR)
Upfront cash ≈ HK$339K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,496
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,912
−HK$422/mo
Today · 4.125%
HK$16,334
baseline
▲ 0.50% · 4.625%
HK$17,195
+HK$861/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,668/mo (50% DSR)
Upfront cash ≈ HK$339K (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).