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$7,781
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,023
−HK$246/mo
Today · 4.125%
HK$8,269
baseline
▲ 0.50% · 4.625%
HK$8,772
+HK$503/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,538/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$8,656
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,888
−HK$236/mo
Today · 4.125%
HK$9,124
baseline
▲ 0.50% · 4.625%
HK$9,605
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,248/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$9,337
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,627
−HK$296/mo
Today · 4.125%
HK$9,923
baseline
▲ 0.50% · 4.625%
HK$10,526
+HK$603/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$19,846/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$10,387
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,666
−HK$283/mo
Today · 4.125%
HK$10,949
baseline
▲ 0.50% · 4.625%
HK$11,526
+HK$577/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$21,898/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$10,893
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,232
−HK$344/mo
Today · 4.125%
HK$11,576
baseline
▲ 0.50% · 4.625%
HK$12,281
+HK$705/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,152/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$12,119
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,444
−HK$329/mo
Today · 4.125%
HK$12,773
baseline
▲ 0.50% · 4.625%
HK$13,447
+HK$674/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,546/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$14,006
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,441
−HK$443/mo
Today · 4.125%
HK$14,884
baseline
▲ 0.50% · 4.625%
HK$15,789
+HK$905/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,768/mo (50% DSR)
Upfront cash ≈ HK$341K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,581
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,999
−HK$424/mo
Today · 4.125%
HK$16,423
baseline
▲ 0.50% · 4.625%
HK$17,289
+HK$866/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,846/mo (50% DSR)
Upfront cash ≈ HK$341K (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).