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$7,770
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,012
−HK$245/mo
Today · 4.125%
HK$8,257
baseline
▲ 0.50% · 4.625%
HK$8,760
+HK$503/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,514/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$8,644
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,876
−HK$235/mo
Today · 4.125%
HK$9,111
baseline
▲ 0.50% · 4.625%
HK$9,591
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,222/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$9,324
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,614
−HK$295/mo
Today · 4.125%
HK$9,909
baseline
▲ 0.50% · 4.625%
HK$10,512
+HK$603/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,818/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$10,373
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,651
−HK$282/mo
Today · 4.125%
HK$10,933
baseline
▲ 0.50% · 4.625%
HK$11,510
+HK$577/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,866/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$10,878
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,216
−HK$344/mo
Today · 4.125%
HK$11,560
baseline
▲ 0.50% · 4.625%
HK$12,264
+HK$704/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,120/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$12,102
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,426
−HK$330/mo
Today · 4.125%
HK$12,756
baseline
▲ 0.50% · 4.625%
HK$13,428
+HK$672/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,512/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$13,986
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,421
−HK$442/mo
Today · 4.125%
HK$14,863
baseline
▲ 0.50% · 4.625%
HK$15,768
+HK$905/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,726/mo (50% DSR)
Upfront cash ≈ HK$341K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,559
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,977
−HK$423/mo
Today · 4.125%
HK$16,400
baseline
▲ 0.50% · 4.625%
HK$17,264
+HK$864/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,800/mo (50% DSR)
Upfront cash ≈ HK$341K (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).