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$7,809
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,052
−HK$247/mo
Today · 4.125%
HK$8,299
baseline
▲ 0.50% · 4.625%
HK$8,804
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,598/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$8,688
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,921
−HK$236/mo
Today · 4.125%
HK$9,157
baseline
▲ 0.50% · 4.625%
HK$9,640
+HK$483/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,314/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$9,371
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,663
−HK$296/mo
Today · 4.125%
HK$9,959
baseline
▲ 0.50% · 4.625%
HK$10,565
+HK$606/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,918/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$10,425
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,705
−HK$283/mo
Today · 4.125%
HK$10,988
baseline
▲ 0.50% · 4.625%
HK$11,568
+HK$580/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,976/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$10,933
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,273
−HK$345/mo
Today · 4.125%
HK$11,618
baseline
▲ 0.50% · 4.625%
HK$12,325
+HK$707/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,236/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$12,163
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,489
−HK$331/mo
Today · 4.125%
HK$12,820
baseline
▲ 0.50% · 4.625%
HK$13,496
+HK$676/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,640/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$14,057
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,494
−HK$444/mo
Today · 4.125%
HK$14,938
baseline
▲ 0.50% · 4.625%
HK$15,847
+HK$909/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,876/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$15,638
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,057
−HK$426/mo
Today · 4.125%
HK$16,483
baseline
▲ 0.50% · 4.625%
HK$17,352
+HK$869/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,966/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).