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$7,793
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,035
−HK$247/mo
Today · 4.125%
HK$8,282
baseline
▲ 0.50% · 4.625%
HK$8,785
+HK$503/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,564/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$8,669
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,902
−HK$236/mo
Today · 4.125%
HK$9,138
baseline
▲ 0.50% · 4.625%
HK$9,619
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,276/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$9,351
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,642
−HK$296/mo
Today · 4.125%
HK$9,938
baseline
▲ 0.50% · 4.625%
HK$10,542
+HK$604/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,876/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$10,403
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,682
−HK$283/mo
Today · 4.125%
HK$10,965
baseline
▲ 0.50% · 4.625%
HK$11,543
+HK$578/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,930/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$10,910
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,249
−HK$345/mo
Today · 4.125%
HK$11,594
baseline
▲ 0.50% · 4.625%
HK$12,300
+HK$706/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$23,188/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$12,137
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,463
−HK$330/mo
Today · 4.125%
HK$12,793
baseline
▲ 0.50% · 4.625%
HK$13,467
+HK$674/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$25,586/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$14,027
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,463
−HK$444/mo
Today · 4.125%
HK$14,907
baseline
▲ 0.50% · 4.625%
HK$15,814
+HK$907/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,814/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$15,605
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,024
−HK$424/mo
Today · 4.125%
HK$16,448
baseline
▲ 0.50% · 4.625%
HK$17,315
+HK$867/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,896/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).