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$7,735
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,975
−HK$245/mo
Today · 4.125%
HK$8,220
baseline
▲ 0.50% · 4.625%
HK$8,720
+HK$500/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,440/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$8,605
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,835
−HK$235/mo
Today · 4.125%
HK$9,070
baseline
▲ 0.50% · 4.625%
HK$9,548
+HK$478/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,140/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$9,282
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,570
−HK$294/mo
Today · 4.125%
HK$9,864
baseline
▲ 0.50% · 4.625%
HK$10,464
+HK$600/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,728/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$10,326
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,603
−HK$281/mo
Today · 4.125%
HK$10,884
baseline
▲ 0.50% · 4.625%
HK$11,457
+HK$573/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,768/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$10,829
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,165
−HK$343/mo
Today · 4.125%
HK$11,508
baseline
▲ 0.50% · 4.625%
HK$12,208
+HK$700/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$23,016/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$12,047
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,370
−HK$327/mo
Today · 4.125%
HK$12,697
baseline
▲ 0.50% · 4.625%
HK$13,367
+HK$670/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,394/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$13,922
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,355
−HK$440/mo
Today · 4.125%
HK$14,795
baseline
▲ 0.50% · 4.625%
HK$15,696
+HK$901/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,590/mo (50% DSR)
Upfront cash ≈ HK$339K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,488
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,904
−HK$421/mo
Today · 4.125%
HK$16,325
baseline
▲ 0.50% · 4.625%
HK$17,186
+HK$861/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,650/mo (50% DSR)
Upfront cash ≈ HK$339K (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).