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$7,775
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,017
−HK$246/mo
Today · 4.125%
HK$8,263
baseline
▲ 0.50% · 4.625%
HK$8,766
+HK$503/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,526/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$8,650
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,882
−HK$235/mo
Today · 4.125%
HK$9,117
baseline
▲ 0.50% · 4.625%
HK$9,598
+HK$481/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,234/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$9,331
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,621
−HK$295/mo
Today · 4.125%
HK$9,916
baseline
▲ 0.50% · 4.625%
HK$10,519
+HK$603/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$19,832/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$10,380
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,659
−HK$282/mo
Today · 4.125%
HK$10,941
baseline
▲ 0.50% · 4.625%
HK$11,518
+HK$577/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$21,882/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$10,886
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,224
−HK$344/mo
Today · 4.125%
HK$11,568
baseline
▲ 0.50% · 4.625%
HK$12,272
+HK$704/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,136/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$12,110
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,435
−HK$329/mo
Today · 4.125%
HK$12,764
baseline
▲ 0.50% · 4.625%
HK$13,437
+HK$673/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,528/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$13,996
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,431
−HK$442/mo
Today · 4.125%
HK$14,873
baseline
▲ 0.50% · 4.625%
HK$15,778
+HK$905/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,746/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$15,570
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,988
−HK$423/mo
Today · 4.125%
HK$16,411
baseline
▲ 0.50% · 4.625%
HK$17,276
+HK$865/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,822/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).