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$7,813
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,056
−HK$246/mo
Today · 4.125%
HK$8,302
baseline
▲ 0.50% · 4.625%
HK$8,808
+HK$506/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,604/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$8,691
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,924
−HK$237/mo
Today · 4.125%
HK$9,161
baseline
▲ 0.50% · 4.625%
HK$9,644
+HK$483/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,322/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$9,375
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,667
−HK$296/mo
Today · 4.125%
HK$9,963
baseline
▲ 0.50% · 4.625%
HK$10,569
+HK$606/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,926/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$10,430
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,709
−HK$284/mo
Today · 4.125%
HK$10,993
baseline
▲ 0.50% · 4.625%
HK$11,573
+HK$580/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$21,986/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$10,938
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,278
−HK$345/mo
Today · 4.125%
HK$11,623
baseline
▲ 0.50% · 4.625%
HK$12,331
+HK$708/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,246/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$12,168
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,494
−HK$331/mo
Today · 4.125%
HK$12,825
baseline
▲ 0.50% · 4.625%
HK$13,501
+HK$676/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,650/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$14,063
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,500
−HK$444/mo
Today · 4.125%
HK$14,944
baseline
▲ 0.50% · 4.625%
HK$15,854
+HK$910/mo
Deposit HK$343K · loan HK$3.08M · min. income ≈ HK$29,888/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$15,644
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,064
−HK$426/mo
Today · 4.125%
HK$16,490
baseline
▲ 0.50% · 4.625%
HK$17,359
+HK$869/mo
Deposit HK$343K · loan HK$3.08M · min. income ≈ HK$32,980/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).