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$7,739
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,980
−HK$244/mo
Today · 4.125%
HK$8,224
baseline
▲ 0.50% · 4.625%
HK$8,725
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,448/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$8,610
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,841
−HK$234/mo
Today · 4.125%
HK$9,075
baseline
▲ 0.50% · 4.625%
HK$9,553
+HK$478/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,150/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$9,287
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,576
−HK$293/mo
Today · 4.125%
HK$9,869
baseline
▲ 0.50% · 4.625%
HK$10,470
+HK$601/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,738/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$10,332
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,609
−HK$281/mo
Today · 4.125%
HK$10,890
baseline
▲ 0.50% · 4.625%
HK$11,464
+HK$574/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,780/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$10,835
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,172
−HK$342/mo
Today · 4.125%
HK$11,514
baseline
▲ 0.50% · 4.625%
HK$12,215
+HK$701/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,028/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$12,054
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,377
−HK$328/mo
Today · 4.125%
HK$12,705
baseline
▲ 0.50% · 4.625%
HK$13,375
+HK$670/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,410/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$13,931
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,364
−HK$440/mo
Today · 4.125%
HK$14,804
baseline
▲ 0.50% · 4.625%
HK$15,705
+HK$901/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,608/mo (50% DSR)
Upfront cash ≈ HK$340K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,498
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,913
−HK$422/mo
Today · 4.125%
HK$16,335
baseline
▲ 0.50% · 4.625%
HK$17,196
+HK$861/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,670/mo (50% DSR)
Upfront cash ≈ HK$340K (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).