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$7,806
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,049
−HK$247/mo
Today · 4.125%
HK$8,296
baseline
▲ 0.50% · 4.625%
HK$8,801
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,592/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$8,685
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,917
−HK$237/mo
Today · 4.125%
HK$9,154
baseline
▲ 0.50% · 4.625%
HK$9,636
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,308/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$9,368
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,659
−HK$296/mo
Today · 4.125%
HK$9,955
baseline
▲ 0.50% · 4.625%
HK$10,561
+HK$606/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,910/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$10,421
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,701
−HK$283/mo
Today · 4.125%
HK$10,984
baseline
▲ 0.50% · 4.625%
HK$11,563
+HK$579/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,968/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$10,929
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,269
−HK$345/mo
Today · 4.125%
HK$11,614
baseline
▲ 0.50% · 4.625%
HK$12,321
+HK$707/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,228/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$12,158
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,484
−HK$331/mo
Today · 4.125%
HK$12,815
baseline
▲ 0.50% · 4.625%
HK$13,491
+HK$676/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,630/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$14,051
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,489
−HK$444/mo
Today · 4.125%
HK$14,933
baseline
▲ 0.50% · 4.625%
HK$15,841
+HK$908/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,866/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$15,632
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,051
−HK$426/mo
Today · 4.125%
HK$16,477
baseline
▲ 0.50% · 4.625%
HK$17,345
+HK$868/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,954/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).