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$7,808
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,051
−HK$247/mo
Today · 4.125%
HK$8,298
baseline
▲ 0.50% · 4.625%
HK$8,803
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,596/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$8,686
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,919
−HK$237/mo
Today · 4.125%
HK$9,156
baseline
▲ 0.50% · 4.625%
HK$9,638
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,312/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$9,370
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,661
−HK$296/mo
Today · 4.125%
HK$9,957
baseline
▲ 0.50% · 4.625%
HK$10,563
+HK$606/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,914/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$10,424
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,703
−HK$284/mo
Today · 4.125%
HK$10,987
baseline
▲ 0.50% · 4.625%
HK$11,566
+HK$579/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,974/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$10,931
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,271
−HK$346/mo
Today · 4.125%
HK$11,617
baseline
▲ 0.50% · 4.625%
HK$12,324
+HK$707/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,234/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$12,161
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,487
−HK$331/mo
Today · 4.125%
HK$12,818
baseline
▲ 0.50% · 4.625%
HK$13,494
+HK$676/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,636/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$14,055
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,492
−HK$444/mo
Today · 4.125%
HK$14,936
baseline
▲ 0.50% · 4.625%
HK$15,845
+HK$909/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,872/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,636
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,055
−HK$425/mo
Today · 4.125%
HK$16,480
baseline
▲ 0.50% · 4.625%
HK$17,349
+HK$869/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,960/mo (50% DSR)
Upfront cash ≈ HK$343K (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).