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$7,805
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,048
−HK$246/mo
Today · 4.125%
HK$8,294
baseline
▲ 0.50% · 4.625%
HK$8,799
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,588/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$8,683
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,916
−HK$236/mo
Today · 4.125%
HK$9,152
baseline
▲ 0.50% · 4.625%
HK$9,634
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,304/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$9,366
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,657
−HK$296/mo
Today · 4.125%
HK$9,953
baseline
▲ 0.50% · 4.625%
HK$10,559
+HK$606/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,906/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$10,420
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,699
−HK$283/mo
Today · 4.125%
HK$10,982
baseline
▲ 0.50% · 4.625%
HK$11,561
+HK$579/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,964/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$10,927
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,267
−HK$345/mo
Today · 4.125%
HK$11,612
baseline
▲ 0.50% · 4.625%
HK$12,319
+HK$707/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,224/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$12,156
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,482
−HK$331/mo
Today · 4.125%
HK$12,813
baseline
▲ 0.50% · 4.625%
HK$13,488
+HK$675/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,626/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$14,049
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,486
−HK$444/mo
Today · 4.125%
HK$14,930
baseline
▲ 0.50% · 4.625%
HK$15,838
+HK$908/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,860/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$15,629
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,048
−HK$426/mo
Today · 4.125%
HK$16,474
baseline
▲ 0.50% · 4.625%
HK$17,342
+HK$868/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,948/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).