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$7,770
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,011
−HK$246/mo
Today · 4.125%
HK$8,257
baseline
▲ 0.50% · 4.625%
HK$8,759
+HK$502/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,514/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$8,644
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,875
−HK$236/mo
Today · 4.125%
HK$9,111
baseline
▲ 0.50% · 4.625%
HK$9,591
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,222/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$9,324
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,614
−HK$294/mo
Today · 4.125%
HK$9,908
baseline
▲ 0.50% · 4.625%
HK$10,511
+HK$603/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,816/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$10,372
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,651
−HK$282/mo
Today · 4.125%
HK$10,933
baseline
▲ 0.50% · 4.625%
HK$11,509
+HK$576/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,866/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$10,877
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,216
−HK$344/mo
Today · 4.125%
HK$11,560
baseline
▲ 0.50% · 4.625%
HK$12,263
+HK$703/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,120/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$12,101
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,426
−HK$329/mo
Today · 4.125%
HK$12,755
baseline
▲ 0.50% · 4.625%
HK$13,427
+HK$672/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,510/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$13,985
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,420
−HK$442/mo
Today · 4.125%
HK$14,862
baseline
▲ 0.50% · 4.625%
HK$15,767
+HK$905/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,724/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$15,558
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,976
−HK$423/mo
Today · 4.125%
HK$16,399
baseline
▲ 0.50% · 4.625%
HK$17,263
+HK$864/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,798/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).