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$7,809
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,051
−HK$247/mo
Today · 4.125%
HK$8,298
baseline
▲ 0.50% · 4.625%
HK$8,803
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,596/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$8,687
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,920
−HK$236/mo
Today · 4.125%
HK$9,156
baseline
▲ 0.50% · 4.625%
HK$9,639
+HK$483/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,312/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$9,370
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,662
−HK$296/mo
Today · 4.125%
HK$9,958
baseline
▲ 0.50% · 4.625%
HK$10,564
+HK$606/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,916/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$10,424
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,704
−HK$284/mo
Today · 4.125%
HK$10,988
baseline
▲ 0.50% · 4.625%
HK$11,567
+HK$579/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,976/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$10,932
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,272
−HK$346/mo
Today · 4.125%
HK$11,618
baseline
▲ 0.50% · 4.625%
HK$12,324
+HK$706/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,236/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$12,162
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,488
−HK$331/mo
Today · 4.125%
HK$12,819
baseline
▲ 0.50% · 4.625%
HK$13,494
+HK$675/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,638/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$14,055
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,493
−HK$444/mo
Today · 4.125%
HK$14,937
baseline
▲ 0.50% · 4.625%
HK$15,846
+HK$909/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,874/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,637
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,056
−HK$425/mo
Today · 4.125%
HK$16,481
baseline
▲ 0.50% · 4.625%
HK$17,350
+HK$869/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,962/mo (50% DSR)
Upfront cash ≈ HK$343K (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).