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$7,783
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,025
−HK$246/mo
Today · 4.125%
HK$8,271
baseline
▲ 0.50% · 4.625%
HK$8,775
+HK$504/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,542/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$8,659
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,891
−HK$236/mo
Today · 4.125%
HK$9,127
baseline
▲ 0.50% · 4.625%
HK$9,608
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,254/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$9,340
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,630
−HK$295/mo
Today · 4.125%
HK$9,925
baseline
▲ 0.50% · 4.625%
HK$10,529
+HK$604/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,850/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$10,390
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,669
−HK$283/mo
Today · 4.125%
HK$10,952
baseline
▲ 0.50% · 4.625%
HK$11,529
+HK$577/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,904/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$10,896
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,235
−HK$345/mo
Today · 4.125%
HK$11,580
baseline
▲ 0.50% · 4.625%
HK$12,284
+HK$704/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,160/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$12,122
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,447
−HK$330/mo
Today · 4.125%
HK$12,777
baseline
▲ 0.50% · 4.625%
HK$13,451
+HK$674/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,554/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$14,010
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,445
−HK$443/mo
Today · 4.125%
HK$14,888
baseline
▲ 0.50% · 4.625%
HK$15,794
+HK$906/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,776/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$15,586
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,004
−HK$424/mo
Today · 4.125%
HK$16,428
baseline
▲ 0.50% · 4.625%
HK$17,294
+HK$866/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,856/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).