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$7,741
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,982
−HK$244/mo
Today · 4.125%
HK$8,226
baseline
▲ 0.50% · 4.625%
HK$8,727
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,452/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$8,612
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,843
−HK$234/mo
Today · 4.125%
HK$9,077
baseline
▲ 0.50% · 4.625%
HK$9,555
+HK$478/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,154/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$9,289
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,578
−HK$294/mo
Today · 4.125%
HK$9,872
baseline
▲ 0.50% · 4.625%
HK$10,472
+HK$600/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,744/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$10,334
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,611
−HK$281/mo
Today · 4.125%
HK$10,892
baseline
▲ 0.50% · 4.625%
HK$11,466
+HK$574/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,784/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$10,837
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,174
−HK$343/mo
Today · 4.125%
HK$11,517
baseline
▲ 0.50% · 4.625%
HK$12,218
+HK$701/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,034/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$12,056
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,380
−HK$328/mo
Today · 4.125%
HK$12,708
baseline
▲ 0.50% · 4.625%
HK$13,377
+HK$669/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,416/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$13,934
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,367
−HK$440/mo
Today · 4.125%
HK$14,807
baseline
▲ 0.50% · 4.625%
HK$15,708
+HK$901/mo
Deposit HK$339K · loan HK$3.06M · min. income ≈ HK$29,614/mo (50% DSR)
Upfront cash ≈ HK$340K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,501
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,917
−HK$421/mo
Today · 4.125%
HK$16,338
baseline
▲ 0.50% · 4.625%
HK$17,200
+HK$862/mo
Deposit HK$339K · loan HK$3.06M · min. income ≈ HK$32,676/mo (50% DSR)
Upfront cash ≈ HK$340K (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).