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$7,802
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,045
−HK$246/mo
Today · 4.125%
HK$8,291
baseline
▲ 0.50% · 4.625%
HK$8,796
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,582/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$8,680
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,912
−HK$237/mo
Today · 4.125%
HK$9,149
baseline
▲ 0.50% · 4.625%
HK$9,631
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,298/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$9,362
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,654
−HK$296/mo
Today · 4.125%
HK$9,950
baseline
▲ 0.50% · 4.625%
HK$10,555
+HK$605/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,900/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$10,416
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,695
−HK$283/mo
Today · 4.125%
HK$10,978
baseline
▲ 0.50% · 4.625%
HK$11,557
+HK$579/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,956/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$10,923
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,263
−HK$345/mo
Today · 4.125%
HK$11,608
baseline
▲ 0.50% · 4.625%
HK$12,314
+HK$706/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,216/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$12,152
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,477
−HK$331/mo
Today · 4.125%
HK$12,808
baseline
▲ 0.50% · 4.625%
HK$13,483
+HK$675/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,616/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$14,044
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,480
−HK$444/mo
Today · 4.125%
HK$14,924
baseline
▲ 0.50% · 4.625%
HK$15,832
+HK$908/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,848/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,623
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,042
−HK$425/mo
Today · 4.125%
HK$16,467
baseline
▲ 0.50% · 4.625%
HK$17,335
+HK$868/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,934/mo (50% DSR)
Upfront cash ≈ HK$342K (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).