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$7,766
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,007
−HK$246/mo
Today · 4.125%
HK$8,253
baseline
▲ 0.50% · 4.625%
HK$8,755
+HK$502/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,506/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$8,639
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,871
−HK$235/mo
Today · 4.125%
HK$9,106
baseline
▲ 0.50% · 4.625%
HK$9,586
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,212/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$9,319
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,609
−HK$294/mo
Today · 4.125%
HK$9,903
baseline
▲ 0.50% · 4.625%
HK$10,506
+HK$603/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,806/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$10,367
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,645
−HK$282/mo
Today · 4.125%
HK$10,927
baseline
▲ 0.50% · 4.625%
HK$11,503
+HK$576/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,854/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$10,872
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,210
−HK$344/mo
Today · 4.125%
HK$11,554
baseline
▲ 0.50% · 4.625%
HK$12,257
+HK$703/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,108/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$12,095
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,419
−HK$329/mo
Today · 4.125%
HK$12,748
baseline
▲ 0.50% · 4.625%
HK$13,420
+HK$672/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,496/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$13,978
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,413
−HK$442/mo
Today · 4.125%
HK$14,855
baseline
▲ 0.50% · 4.625%
HK$15,758
+HK$903/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,710/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$15,550
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,967
−HK$424/mo
Today · 4.125%
HK$16,391
baseline
▲ 0.50% · 4.625%
HK$17,254
+HK$863/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,782/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).