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$7,973
−HK$244/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$465/mo
▼ 0.25% · 3.875%
HK$8,833
−HK$234/mo
Today · 4.125%
HK$9,067
baseline
▲ 0.50% · 4.625%
HK$9,545
+HK$478/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,134/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$9,279
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,567
−HK$294/mo
Today · 4.125%
HK$9,861
baseline
▲ 0.50% · 4.625%
HK$10,461
+HK$600/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$19,722/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$10,323
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,599
−HK$281/mo
Today · 4.125%
HK$10,880
baseline
▲ 0.50% · 4.625%
HK$11,454
+HK$574/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$11,162
−HK$342/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$12,043
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,366
−HK$328/mo
Today · 4.125%
HK$12,694
baseline
▲ 0.50% · 4.625%
HK$13,363
+HK$669/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,388/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$873/mo
▼ 0.25% · 3.875%
HK$14,351
−HK$440/mo
Today · 4.125%
HK$14,791
baseline
▲ 0.50% · 4.625%
HK$15,691
+HK$900/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,582/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$15,484
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,899
−HK$421/mo
Today · 4.125%
HK$16,320
baseline
▲ 0.50% · 4.625%
HK$17,181
+HK$861/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).