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$7,784
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,026
−HK$246/mo
Today · 4.125%
HK$8,272
baseline
▲ 0.50% · 4.625%
HK$8,775
+HK$503/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,544/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$8,659
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,891
−HK$236/mo
Today · 4.125%
HK$9,127
baseline
▲ 0.50% · 4.625%
HK$9,608
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,254/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$9,340
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,631
−HK$295/mo
Today · 4.125%
HK$9,926
baseline
▲ 0.50% · 4.625%
HK$10,530
+HK$604/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,852/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$10,391
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,670
−HK$282/mo
Today · 4.125%
HK$10,952
baseline
▲ 0.50% · 4.625%
HK$11,530
+HK$578/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,904/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$10,897
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,236
−HK$344/mo
Today · 4.125%
HK$11,580
baseline
▲ 0.50% · 4.625%
HK$12,285
+HK$705/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,160/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$12,123
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,448
−HK$330/mo
Today · 4.125%
HK$12,778
baseline
▲ 0.50% · 4.625%
HK$13,451
+HK$673/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,556/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$14,010
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,446
−HK$443/mo
Today · 4.125%
HK$14,889
baseline
▲ 0.50% · 4.625%
HK$15,795
+HK$906/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,778/mo (50% DSR)
Upfront cash ≈ HK$341K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,586
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,004
−HK$425/mo
Today · 4.125%
HK$16,429
baseline
▲ 0.50% · 4.625%
HK$17,294
+HK$865/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,858/mo (50% DSR)
Upfront cash ≈ HK$341K (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).