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$7,778
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,020
−HK$246/mo
Today · 4.125%
HK$8,266
baseline
▲ 0.50% · 4.625%
HK$8,769
+HK$503/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,532/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$8,653
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,885
−HK$235/mo
Today · 4.125%
HK$9,120
baseline
▲ 0.50% · 4.625%
HK$9,601
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,240/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$9,334
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,624
−HK$295/mo
Today · 4.125%
HK$9,919
baseline
▲ 0.50% · 4.625%
HK$10,522
+HK$603/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$19,838/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$10,384
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,662
−HK$283/mo
Today · 4.125%
HK$10,945
baseline
▲ 0.50% · 4.625%
HK$11,521
+HK$576/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$21,890/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$10,889
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,228
−HK$344/mo
Today · 4.125%
HK$11,572
baseline
▲ 0.50% · 4.625%
HK$12,276
+HK$704/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,144/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$12,114
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,439
−HK$330/mo
Today · 4.125%
HK$12,769
baseline
▲ 0.50% · 4.625%
HK$13,442
+HK$673/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,538/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$14,000
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,436
−HK$442/mo
Today · 4.125%
HK$14,878
baseline
▲ 0.50% · 4.625%
HK$15,784
+HK$906/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,756/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$15,575
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,993
−HK$424/mo
Today · 4.125%
HK$16,417
baseline
▲ 0.50% · 4.625%
HK$17,282
+HK$865/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,834/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).