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$7,794
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,037
−HK$246/mo
Today · 4.125%
HK$8,283
baseline
▲ 0.50% · 4.625%
HK$8,787
+HK$504/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,566/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$8,671
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,904
−HK$236/mo
Today · 4.125%
HK$9,140
baseline
▲ 0.50% · 4.625%
HK$9,621
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,280/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$9,353
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,644
−HK$296/mo
Today · 4.125%
HK$9,940
baseline
▲ 0.50% · 4.625%
HK$10,545
+HK$605/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,880/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$10,405
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,684
−HK$284/mo
Today · 4.125%
HK$10,968
baseline
▲ 0.50% · 4.625%
HK$11,546
+HK$578/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,936/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$10,912
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,252
−HK$344/mo
Today · 4.125%
HK$11,596
baseline
▲ 0.50% · 4.625%
HK$12,302
+HK$706/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$23,192/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$12,140
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,465
−HK$330/mo
Today · 4.125%
HK$12,795
baseline
▲ 0.50% · 4.625%
HK$13,470
+HK$675/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$25,590/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$14,030
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,466
−HK$444/mo
Today · 4.125%
HK$14,910
baseline
▲ 0.50% · 4.625%
HK$15,817
+HK$907/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,820/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$15,608
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,027
−HK$424/mo
Today · 4.125%
HK$16,451
baseline
▲ 0.50% · 4.625%
HK$17,319
+HK$868/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,902/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).