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$7,734
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,975
−HK$244/mo
Today · 4.125%
HK$8,219
baseline
▲ 0.50% · 4.625%
HK$8,719
+HK$500/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,438/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,604
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,835
−HK$234/mo
Today · 4.125%
HK$9,069
baseline
▲ 0.50% · 4.625%
HK$9,547
+HK$478/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,138/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,281
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,570
−HK$293/mo
Today · 4.125%
HK$9,863
baseline
▲ 0.50% · 4.625%
HK$10,463
+HK$600/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,726/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,325
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,602
−HK$281/mo
Today · 4.125%
HK$10,883
baseline
▲ 0.50% · 4.625%
HK$11,456
+HK$573/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,766/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,828
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,165
−HK$342/mo
Today · 4.125%
HK$11,507
baseline
▲ 0.50% · 4.625%
HK$12,207
+HK$700/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$23,014/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$12,046
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,369
−HK$328/mo
Today · 4.125%
HK$12,697
baseline
▲ 0.50% · 4.625%
HK$13,366
+HK$669/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,394/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$13,921
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,354
−HK$440/mo
Today · 4.125%
HK$14,794
baseline
▲ 0.50% · 4.625%
HK$15,695
+HK$901/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,588/mo (50% DSR)
Upfront cash ≈ HK$339K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,487
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,903
−HK$421/mo
Today · 4.125%
HK$16,324
baseline
▲ 0.50% · 4.625%
HK$17,185
+HK$861/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,648/mo (50% DSR)
Upfront cash ≈ HK$339K (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).