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$7,777
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,019
−HK$246/mo
Today · 4.125%
HK$8,265
baseline
▲ 0.50% · 4.625%
HK$8,768
+HK$503/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,530/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$8,652
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,884
−HK$236/mo
Today · 4.125%
HK$9,120
baseline
▲ 0.50% · 4.625%
HK$9,600
+HK$480/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,240/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$9,333
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,623
−HK$295/mo
Today · 4.125%
HK$9,918
baseline
▲ 0.50% · 4.625%
HK$10,521
+HK$603/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$19,836/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$10,383
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,661
−HK$283/mo
Today · 4.125%
HK$10,944
baseline
▲ 0.50% · 4.625%
HK$11,520
+HK$576/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$21,888/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$10,888
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,227
−HK$344/mo
Today · 4.125%
HK$11,571
baseline
▲ 0.50% · 4.625%
HK$12,275
+HK$704/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,142/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$12,113
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,438
−HK$329/mo
Today · 4.125%
HK$12,767
baseline
▲ 0.50% · 4.625%
HK$13,440
+HK$673/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,534/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$13,999
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,435
−HK$442/mo
Today · 4.125%
HK$14,877
baseline
▲ 0.50% · 4.625%
HK$15,782
+HK$905/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,754/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$15,574
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,992
−HK$423/mo
Today · 4.125%
HK$16,415
baseline
▲ 0.50% · 4.625%
HK$17,281
+HK$866/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,830/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).