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$7,790
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,033
−HK$246/mo
Today · 4.125%
HK$8,279
baseline
▲ 0.50% · 4.625%
HK$8,783
+HK$504/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,558/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$8,667
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,899
−HK$236/mo
Today · 4.125%
HK$9,135
baseline
▲ 0.50% · 4.625%
HK$9,617
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,270/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$9,349
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,639
−HK$296/mo
Today · 4.125%
HK$9,935
baseline
▲ 0.50% · 4.625%
HK$10,539
+HK$604/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,870/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$10,400
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,679
−HK$283/mo
Today · 4.125%
HK$10,962
baseline
▲ 0.50% · 4.625%
HK$11,540
+HK$578/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,924/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$10,907
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,246
−HK$345/mo
Today · 4.125%
HK$11,591
baseline
▲ 0.50% · 4.625%
HK$12,296
+HK$705/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,182/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$12,134
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,459
−HK$330/mo
Today · 4.125%
HK$12,789
baseline
▲ 0.50% · 4.625%
HK$13,463
+HK$674/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,578/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$14,023
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,459
−HK$443/mo
Today · 4.125%
HK$14,902
baseline
▲ 0.50% · 4.625%
HK$15,809
+HK$907/mo
Deposit HK$342K · loan HK$3.07M · min. income ≈ HK$29,804/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,600
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,019
−HK$424/mo
Today · 4.125%
HK$16,443
baseline
▲ 0.50% · 4.625%
HK$17,310
+HK$867/mo
Deposit HK$342K · loan HK$3.07M · min. income ≈ HK$32,886/mo (50% DSR)
Upfront cash ≈ HK$342K (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).