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$7,786
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,029
−HK$246/mo
Today · 4.125%
HK$8,275
baseline
▲ 0.50% · 4.625%
HK$8,778
+HK$503/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,550/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$8,662
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,895
−HK$235/mo
Today · 4.125%
HK$9,130
baseline
▲ 0.50% · 4.625%
HK$9,612
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,260/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$9,344
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,634
−HK$296/mo
Today · 4.125%
HK$9,930
baseline
▲ 0.50% · 4.625%
HK$10,534
+HK$604/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,860/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$10,395
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,674
−HK$282/mo
Today · 4.125%
HK$10,956
baseline
▲ 0.50% · 4.625%
HK$11,534
+HK$578/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,912/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$10,901
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,240
−HK$345/mo
Today · 4.125%
HK$11,585
baseline
▲ 0.50% · 4.625%
HK$12,290
+HK$705/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,170/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$12,127
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,453
−HK$329/mo
Today · 4.125%
HK$12,782
baseline
▲ 0.50% · 4.625%
HK$13,456
+HK$674/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,564/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$14,016
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,452
−HK$443/mo
Today · 4.125%
HK$14,895
baseline
▲ 0.50% · 4.625%
HK$15,801
+HK$906/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,790/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$15,592
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,010
−HK$425/mo
Today · 4.125%
HK$16,435
baseline
▲ 0.50% · 4.625%
HK$17,301
+HK$866/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,870/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).