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$7,978
−HK$245/mo
Today · 4.125%
HK$8,223
baseline
▲ 0.50% · 4.625%
HK$8,723
+HK$500/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$8,608
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,839
−HK$234/mo
Today · 4.125%
HK$9,073
baseline
▲ 0.50% · 4.625%
HK$9,551
+HK$478/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,146/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$9,285
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,574
−HK$293/mo
Today · 4.125%
HK$9,867
baseline
▲ 0.50% · 4.625%
HK$10,468
+HK$601/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,734/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$679/mo
▼ 0.25% · 3.875%
HK$11,170
−HK$342/mo
Today · 4.125%
HK$11,512
baseline
▲ 0.50% · 4.625%
HK$12,212
+HK$700/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,024/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$12,051
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,374
−HK$328/mo
Today · 4.125%
HK$12,702
baseline
▲ 0.50% · 4.625%
HK$13,372
+HK$670/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,404/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$13,928
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,361
−HK$440/mo
Today · 4.125%
HK$14,801
baseline
▲ 0.50% · 4.625%
HK$15,702
+HK$901/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,602/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$15,494
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,910
−HK$422/mo
Today · 4.125%
HK$16,332
baseline
▲ 0.50% · 4.625%
HK$17,192
+HK$860/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,664/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).