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$7,796
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,039
−HK$246/mo
Today · 4.125%
HK$8,285
baseline
▲ 0.50% · 4.625%
HK$8,789
+HK$504/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,570/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$8,673
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,906
−HK$236/mo
Today · 4.125%
HK$9,142
baseline
▲ 0.50% · 4.625%
HK$9,623
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,284/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$9,355
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,646
−HK$296/mo
Today · 4.125%
HK$9,942
baseline
▲ 0.50% · 4.625%
HK$10,547
+HK$605/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,884/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$10,408
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,687
−HK$283/mo
Today · 4.125%
HK$10,970
baseline
▲ 0.50% · 4.625%
HK$11,548
+HK$578/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,940/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$10,914
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,254
−HK$345/mo
Today · 4.125%
HK$11,599
baseline
▲ 0.50% · 4.625%
HK$12,305
+HK$706/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$23,198/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$12,142
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,468
−HK$330/mo
Today · 4.125%
HK$12,798
baseline
▲ 0.50% · 4.625%
HK$13,473
+HK$675/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$25,596/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$14,033
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,469
−HK$444/mo
Today · 4.125%
HK$14,913
baseline
▲ 0.50% · 4.625%
HK$15,820
+HK$907/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,826/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$15,611
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,030
−HK$425/mo
Today · 4.125%
HK$16,455
baseline
▲ 0.50% · 4.625%
HK$17,322
+HK$867/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,910/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).