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$7,815
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,058
−HK$247/mo
Today · 4.125%
HK$8,305
baseline
▲ 0.50% · 4.625%
HK$8,810
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,610/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$8,694
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,927
−HK$236/mo
Today · 4.125%
HK$9,163
baseline
▲ 0.50% · 4.625%
HK$9,646
+HK$483/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,326/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$9,377
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,669
−HK$297/mo
Today · 4.125%
HK$9,966
baseline
▲ 0.50% · 4.625%
HK$10,572
+HK$606/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,932/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$10,432
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,712
−HK$284/mo
Today · 4.125%
HK$10,996
baseline
▲ 0.50% · 4.625%
HK$11,576
+HK$580/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$21,992/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$10,940
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,281
−HK$345/mo
Today · 4.125%
HK$11,626
baseline
▲ 0.50% · 4.625%
HK$12,334
+HK$708/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,252/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$12,171
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,497
−HK$332/mo
Today · 4.125%
HK$12,829
baseline
▲ 0.50% · 4.625%
HK$13,505
+HK$676/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,658/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$14,066
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,504
−HK$444/mo
Today · 4.125%
HK$14,948
baseline
▲ 0.50% · 4.625%
HK$15,858
+HK$910/mo
Deposit HK$343K · loan HK$3.08M · min. income ≈ HK$29,896/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$15,649
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,068
−HK$426/mo
Today · 4.125%
HK$16,494
baseline
▲ 0.50% · 4.625%
HK$17,363
+HK$869/mo
Deposit HK$343K · loan HK$3.08M · min. income ≈ HK$32,988/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).