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$7,736
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,976
−HK$245/mo
Today · 4.125%
HK$8,221
baseline
▲ 0.50% · 4.625%
HK$8,721
+HK$500/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,442/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$8,606
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,837
−HK$234/mo
Today · 4.125%
HK$9,071
baseline
▲ 0.50% · 4.625%
HK$9,549
+HK$478/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,142/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$9,283
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,572
−HK$293/mo
Today · 4.125%
HK$9,865
baseline
▲ 0.50% · 4.625%
HK$10,465
+HK$600/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,730/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$10,327
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,604
−HK$281/mo
Today · 4.125%
HK$10,885
baseline
▲ 0.50% · 4.625%
HK$11,459
+HK$574/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,770/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$10,830
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,167
−HK$342/mo
Today · 4.125%
HK$11,509
baseline
▲ 0.50% · 4.625%
HK$12,209
+HK$700/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$23,018/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$12,048
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,371
−HK$328/mo
Today · 4.125%
HK$12,699
baseline
▲ 0.50% · 4.625%
HK$13,369
+HK$670/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,398/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$13,924
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,357
−HK$440/mo
Today · 4.125%
HK$14,797
baseline
▲ 0.50% · 4.625%
HK$15,698
+HK$901/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,594/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$15,491
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,906
−HK$421/mo
Today · 4.125%
HK$16,327
baseline
▲ 0.50% · 4.625%
HK$17,188
+HK$861/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,654/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).