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$7,732
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,972
−HK$245/mo
Today · 4.125%
HK$8,217
baseline
▲ 0.50% · 4.625%
HK$8,717
+HK$500/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,434/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$8,602
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,832
−HK$234/mo
Today · 4.125%
HK$9,066
baseline
▲ 0.50% · 4.625%
HK$9,544
+HK$478/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,132/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$9,278
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,567
−HK$293/mo
Today · 4.125%
HK$9,860
baseline
▲ 0.50% · 4.625%
HK$10,460
+HK$600/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$19,720/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$10,322
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,599
−HK$281/mo
Today · 4.125%
HK$10,880
baseline
▲ 0.50% · 4.625%
HK$11,453
+HK$573/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$21,760/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$10,825
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,161
−HK$343/mo
Today · 4.125%
HK$11,504
baseline
▲ 0.50% · 4.625%
HK$12,204
+HK$700/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$23,008/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$12,042
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,365
−HK$328/mo
Today · 4.125%
HK$12,693
baseline
▲ 0.50% · 4.625%
HK$13,362
+HK$669/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,386/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$13,918
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,350
−HK$440/mo
Today · 4.125%
HK$14,790
baseline
▲ 0.50% · 4.625%
HK$15,690
+HK$900/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,580/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$15,483
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,898
−HK$422/mo
Today · 4.125%
HK$16,320
baseline
▲ 0.50% · 4.625%
HK$17,180
+HK$860/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,640/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).