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$7,788
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,030
−HK$246/mo
Today · 4.125%
HK$8,276
baseline
▲ 0.50% · 4.625%
HK$8,779
+HK$503/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,552/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$8,664
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,896
−HK$236/mo
Today · 4.125%
HK$9,132
baseline
▲ 0.50% · 4.625%
HK$9,613
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,264/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$9,345
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,636
−HK$295/mo
Today · 4.125%
HK$9,931
baseline
▲ 0.50% · 4.625%
HK$10,535
+HK$604/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,862/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$10,396
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,675
−HK$283/mo
Today · 4.125%
HK$10,958
baseline
▲ 0.50% · 4.625%
HK$11,536
+HK$578/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,916/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$10,903
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,242
−HK$344/mo
Today · 4.125%
HK$11,586
baseline
▲ 0.50% · 4.625%
HK$12,291
+HK$705/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,172/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$12,129
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,454
−HK$330/mo
Today · 4.125%
HK$12,784
baseline
▲ 0.50% · 4.625%
HK$13,458
+HK$674/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,568/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$14,018
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,454
−HK$443/mo
Today · 4.125%
HK$14,897
baseline
▲ 0.50% · 4.625%
HK$15,803
+HK$906/mo
Deposit HK$342K · loan HK$3.07M · min. income ≈ HK$29,794/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$15,594
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,013
−HK$424/mo
Today · 4.125%
HK$16,437
baseline
▲ 0.50% · 4.625%
HK$17,303
+HK$866/mo
Deposit HK$342K · loan HK$3.07M · min. income ≈ HK$32,874/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).