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$7,810
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,053
−HK$247/mo
Today · 4.125%
HK$8,300
baseline
▲ 0.50% · 4.625%
HK$8,805
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,600/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$470/mo
▼ 0.25% · 3.875%
HK$8,921
−HK$237/mo
Today · 4.125%
HK$9,158
baseline
▲ 0.50% · 4.625%
HK$9,640
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,316/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$9,372
−HK$587/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$10,426
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,706
−HK$283/mo
Today · 4.125%
HK$10,989
baseline
▲ 0.50% · 4.625%
HK$11,569
+HK$580/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,978/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$10,934
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,274
−HK$345/mo
Today · 4.125%
HK$11,619
baseline
▲ 0.50% · 4.625%
HK$12,326
+HK$707/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,238/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$12,164
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,490
−HK$331/mo
Today · 4.125%
HK$12,821
baseline
▲ 0.50% · 4.625%
HK$13,497
+HK$676/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,642/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$14,058
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,495
−HK$444/mo
Today · 4.125%
HK$14,939
baseline
▲ 0.50% · 4.625%
HK$15,848
+HK$909/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,878/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$15,639
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,058
−HK$426/mo
Today · 4.125%
HK$16,484
baseline
▲ 0.50% · 4.625%
HK$17,353
+HK$869/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,968/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).