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$7,773
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,015
−HK$245/mo
Today · 4.125%
HK$8,260
baseline
▲ 0.50% · 4.625%
HK$8,763
+HK$503/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,520/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$8,647
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,879
−HK$236/mo
Today · 4.125%
HK$9,115
baseline
▲ 0.50% · 4.625%
HK$9,595
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,230/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$9,328
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,618
−HK$295/mo
Today · 4.125%
HK$9,913
baseline
▲ 0.50% · 4.625%
HK$10,516
+HK$603/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$19,826/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$10,377
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,655
−HK$283/mo
Today · 4.125%
HK$10,938
baseline
▲ 0.50% · 4.625%
HK$11,514
+HK$576/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$21,876/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$10,882
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,221
−HK$344/mo
Today · 4.125%
HK$11,565
baseline
▲ 0.50% · 4.625%
HK$12,268
+HK$703/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,130/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$12,106
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,431
−HK$329/mo
Today · 4.125%
HK$12,760
baseline
▲ 0.50% · 4.625%
HK$13,433
+HK$673/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,520/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$13,991
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,427
−HK$442/mo
Today · 4.125%
HK$14,869
baseline
▲ 0.50% · 4.625%
HK$15,774
+HK$905/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,738/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$15,565
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,983
−HK$423/mo
Today · 4.125%
HK$16,406
baseline
▲ 0.50% · 4.625%
HK$17,271
+HK$865/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,812/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).