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$7,816
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,059
−HK$247/mo
Today · 4.125%
HK$8,306
baseline
▲ 0.50% · 4.625%
HK$8,811
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,612/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$8,695
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,928
−HK$237/mo
Today · 4.125%
HK$9,165
baseline
▲ 0.50% · 4.625%
HK$9,648
+HK$483/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,330/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$9,379
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,671
−HK$296/mo
Today · 4.125%
HK$9,967
baseline
▲ 0.50% · 4.625%
HK$10,573
+HK$606/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,934/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$10,434
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,714
−HK$284/mo
Today · 4.125%
HK$10,998
baseline
▲ 0.50% · 4.625%
HK$11,577
+HK$579/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$21,996/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$10,942
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,282
−HK$346/mo
Today · 4.125%
HK$11,628
baseline
▲ 0.50% · 4.625%
HK$12,336
+HK$708/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,256/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$12,173
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,499
−HK$331/mo
Today · 4.125%
HK$12,830
baseline
▲ 0.50% · 4.625%
HK$13,507
+HK$677/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,660/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$14,068
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,506
−HK$444/mo
Today · 4.125%
HK$14,950
baseline
▲ 0.50% · 4.625%
HK$15,860
+HK$910/mo
Deposit HK$343K · loan HK$3.08M · min. income ≈ HK$29,900/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$15,651
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,071
−HK$425/mo
Today · 4.125%
HK$16,496
baseline
▲ 0.50% · 4.625%
HK$17,366
+HK$870/mo
Deposit HK$343K · loan HK$3.08M · min. income ≈ HK$32,992/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).