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$7,738
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,979
−HK$244/mo
Today · 4.125%
HK$8,223
baseline
▲ 0.50% · 4.625%
HK$8,724
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,446/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$8,839
−HK$235/mo
Today · 4.125%
HK$9,074
baseline
▲ 0.50% · 4.625%
HK$9,552
+HK$478/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$582/mo
▼ 0.25% · 3.875%
HK$9,575
−HK$293/mo
Today · 4.125%
HK$9,868
baseline
▲ 0.50% · 4.625%
HK$10,468
+HK$600/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,736/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$10,330
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,607
−HK$281/mo
Today · 4.125%
HK$10,888
baseline
▲ 0.50% · 4.625%
HK$11,462
+HK$574/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,776/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$10,833
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,170
−HK$343/mo
Today · 4.125%
HK$11,513
baseline
▲ 0.50% · 4.625%
HK$12,213
+HK$700/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$12,052
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,375
−HK$328/mo
Today · 4.125%
HK$12,703
baseline
▲ 0.50% · 4.625%
HK$13,373
+HK$670/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,406/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$13,929
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,362
−HK$440/mo
Today · 4.125%
HK$14,802
baseline
▲ 0.50% · 4.625%
HK$15,703
+HK$901/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,604/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$15,495
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,911
−HK$422/mo
Today · 4.125%
HK$16,333
baseline
▲ 0.50% · 4.625%
HK$17,193
+HK$860/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,666/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).