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$7,736
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,977
−HK$245/mo
Today · 4.125%
HK$8,222
baseline
▲ 0.50% · 4.625%
HK$8,722
+HK$500/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,444/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$8,607
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,837
−HK$235/mo
Today · 4.125%
HK$9,072
baseline
▲ 0.50% · 4.625%
HK$9,550
+HK$478/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,144/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$9,284
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,572
−HK$294/mo
Today · 4.125%
HK$9,866
baseline
▲ 0.50% · 4.625%
HK$10,466
+HK$600/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,732/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$10,328
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,605
−HK$281/mo
Today · 4.125%
HK$10,886
baseline
▲ 0.50% · 4.625%
HK$11,460
+HK$574/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,772/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$10,831
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,168
−HK$342/mo
Today · 4.125%
HK$11,510
baseline
▲ 0.50% · 4.625%
HK$12,210
+HK$700/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$23,020/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$12,049
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,372
−HK$328/mo
Today · 4.125%
HK$12,700
baseline
▲ 0.50% · 4.625%
HK$13,370
+HK$670/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,400/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$13,925
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,359
−HK$440/mo
Today · 4.125%
HK$14,799
baseline
▲ 0.50% · 4.625%
HK$15,699
+HK$900/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,598/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$15,492
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,907
−HK$422/mo
Today · 4.125%
HK$16,329
baseline
▲ 0.50% · 4.625%
HK$17,190
+HK$861/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,658/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).