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$7,765
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,007
−HK$245/mo
Today · 4.125%
HK$8,252
baseline
▲ 0.50% · 4.625%
HK$8,754
+HK$502/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,504/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$8,639
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,870
−HK$235/mo
Today · 4.125%
HK$9,105
baseline
▲ 0.50% · 4.625%
HK$9,585
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,210/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$9,318
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,608
−HK$294/mo
Today · 4.125%
HK$9,902
baseline
▲ 0.50% · 4.625%
HK$10,505
+HK$603/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,804/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$10,366
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,644
−HK$282/mo
Today · 4.125%
HK$10,926
baseline
▲ 0.50% · 4.625%
HK$11,502
+HK$576/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,852/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$10,871
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,209
−HK$344/mo
Today · 4.125%
HK$11,553
baseline
▲ 0.50% · 4.625%
HK$12,256
+HK$703/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,106/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$12,094
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,418
−HK$329/mo
Today · 4.125%
HK$12,747
baseline
▲ 0.50% · 4.625%
HK$13,419
+HK$672/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,494/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$13,977
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,412
−HK$442/mo
Today · 4.125%
HK$14,854
baseline
▲ 0.50% · 4.625%
HK$15,757
+HK$903/mo
Deposit HK$341K · loan HK$3.06M · min. income ≈ HK$29,708/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$15,549
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,966
−HK$424/mo
Today · 4.125%
HK$16,390
baseline
▲ 0.50% · 4.625%
HK$17,253
+HK$863/mo
Deposit HK$341K · loan HK$3.06M · min. income ≈ HK$32,780/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).