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$490/mo
▼ 0.25% · 3.875%
HK$8,056
−HK$247/mo
Today · 4.125%
HK$8,303
baseline
▲ 0.50% · 4.625%
HK$8,808
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,606/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$8,692
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,925
−HK$236/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$10,710
−HK$283/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$686/mo
▼ 0.25% · 3.875%
HK$11,278
−HK$346/mo
Today · 4.125%
HK$11,624
baseline
▲ 0.50% · 4.625%
HK$12,331
+HK$707/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,248/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$658/mo
▼ 0.25% · 3.875%
HK$12,494
−HK$332/mo
Today · 4.125%
HK$12,826
baseline
▲ 0.50% · 4.625%
HK$13,502
+HK$676/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,652/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$882/mo
▼ 0.25% · 3.875%
HK$14,500
−HK$445/mo
Today · 4.125%
HK$14,945
baseline
▲ 0.50% · 4.625%
HK$15,854
+HK$909/mo
Deposit HK$343K · loan HK$3.08M · min. income ≈ HK$29,890/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$15,645
−HK$845/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).