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$7,789
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,031
−HK$246/mo
Today · 4.125%
HK$8,277
baseline
▲ 0.50% · 4.625%
HK$8,781
+HK$504/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,554/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$8,665
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,897
−HK$236/mo
Today · 4.125%
HK$9,133
baseline
▲ 0.50% · 4.625%
HK$9,614
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,266/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$9,346
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,637
−HK$296/mo
Today · 4.125%
HK$9,933
baseline
▲ 0.50% · 4.625%
HK$10,537
+HK$604/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,866/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$10,398
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,677
−HK$283/mo
Today · 4.125%
HK$10,960
baseline
▲ 0.50% · 4.625%
HK$11,537
+HK$577/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,920/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$10,904
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,243
−HK$345/mo
Today · 4.125%
HK$11,588
baseline
▲ 0.50% · 4.625%
HK$12,293
+HK$705/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,176/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$12,131
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,456
−HK$330/mo
Today · 4.125%
HK$12,786
baseline
▲ 0.50% · 4.625%
HK$13,460
+HK$674/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,572/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$14,020
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,456
−HK$443/mo
Today · 4.125%
HK$14,899
baseline
▲ 0.50% · 4.625%
HK$15,805
+HK$906/mo
Deposit HK$342K · loan HK$3.07M · min. income ≈ HK$29,798/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$15,597
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,015
−HK$424/mo
Today · 4.125%
HK$16,439
baseline
▲ 0.50% · 4.625%
HK$17,306
+HK$867/mo
Deposit HK$342K · loan HK$3.07M · min. income ≈ HK$32,878/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).