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$7,785
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,028
−HK$246/mo
Today · 4.125%
HK$8,274
baseline
▲ 0.50% · 4.625%
HK$8,777
+HK$503/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,548/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$8,661
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,893
−HK$236/mo
Today · 4.125%
HK$9,129
baseline
▲ 0.50% · 4.625%
HK$9,610
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,258/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$9,342
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,633
−HK$295/mo
Today · 4.125%
HK$9,928
baseline
▲ 0.50% · 4.625%
HK$10,532
+HK$604/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,856/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$10,393
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,672
−HK$283/mo
Today · 4.125%
HK$10,955
baseline
▲ 0.50% · 4.625%
HK$11,532
+HK$577/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,910/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$10,899
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,239
−HK$344/mo
Today · 4.125%
HK$11,583
baseline
▲ 0.50% · 4.625%
HK$12,288
+HK$705/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,166/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$12,126
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,451
−HK$330/mo
Today · 4.125%
HK$12,781
baseline
▲ 0.50% · 4.625%
HK$13,454
+HK$673/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,562/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$14,014
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,450
−HK$442/mo
Today · 4.125%
HK$14,892
baseline
▲ 0.50% · 4.625%
HK$15,799
+HK$907/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,784/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$15,590
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,008
−HK$424/mo
Today · 4.125%
HK$16,432
baseline
▲ 0.50% · 4.625%
HK$17,298
+HK$866/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,864/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).