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$7,803
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,046
−HK$247/mo
Today · 4.125%
HK$8,293
baseline
▲ 0.50% · 4.625%
HK$8,797
+HK$504/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,586/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$8,681
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,914
−HK$236/mo
Today · 4.125%
HK$9,150
baseline
▲ 0.50% · 4.625%
HK$9,633
+HK$483/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,300/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$9,364
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,655
−HK$296/mo
Today · 4.125%
HK$9,951
baseline
▲ 0.50% · 4.625%
HK$10,557
+HK$606/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,902/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$10,417
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,697
−HK$283/mo
Today · 4.125%
HK$10,980
baseline
▲ 0.50% · 4.625%
HK$11,559
+HK$579/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,960/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$10,925
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,265
−HK$345/mo
Today · 4.125%
HK$11,610
baseline
▲ 0.50% · 4.625%
HK$12,316
+HK$706/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,220/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$12,154
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,480
−HK$330/mo
Today · 4.125%
HK$12,810
baseline
▲ 0.50% · 4.625%
HK$13,486
+HK$676/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,620/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$14,046
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,483
−HK$444/mo
Today · 4.125%
HK$14,927
baseline
▲ 0.50% · 4.625%
HK$15,835
+HK$908/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,854/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,626
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,045
−HK$425/mo
Today · 4.125%
HK$16,470
baseline
▲ 0.50% · 4.625%
HK$17,339
+HK$869/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,940/mo (50% DSR)
Upfront cash ≈ HK$342K (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).