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$7,782
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,024
−HK$246/mo
Today · 4.125%
HK$8,270
baseline
▲ 0.50% · 4.625%
HK$8,773
+HK$503/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,540/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$8,658
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,890
−HK$235/mo
Today · 4.125%
HK$9,125
baseline
▲ 0.50% · 4.625%
HK$9,606
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,250/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$9,339
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,629
−HK$295/mo
Today · 4.125%
HK$9,924
baseline
▲ 0.50% · 4.625%
HK$10,528
+HK$604/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,848/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$10,389
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,668
−HK$282/mo
Today · 4.125%
HK$10,950
baseline
▲ 0.50% · 4.625%
HK$11,528
+HK$578/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,900/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$10,895
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,234
−HK$344/mo
Today · 4.125%
HK$11,578
baseline
▲ 0.50% · 4.625%
HK$12,283
+HK$705/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,156/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$12,121
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,446
−HK$329/mo
Today · 4.125%
HK$12,775
baseline
▲ 0.50% · 4.625%
HK$13,449
+HK$674/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,550/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$14,008
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,444
−HK$442/mo
Today · 4.125%
HK$14,886
baseline
▲ 0.50% · 4.625%
HK$15,792
+HK$906/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,772/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$15,584
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,002
−HK$424/mo
Today · 4.125%
HK$16,426
baseline
▲ 0.50% · 4.625%
HK$17,291
+HK$865/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,852/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).