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$7,770
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,012
−HK$246/mo
Today · 4.125%
HK$8,258
baseline
▲ 0.50% · 4.625%
HK$8,760
+HK$502/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,516/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$8,645
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,876
−HK$236/mo
Today · 4.125%
HK$9,112
baseline
▲ 0.50% · 4.625%
HK$9,592
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,224/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$9,325
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,615
−HK$294/mo
Today · 4.125%
HK$9,909
baseline
▲ 0.50% · 4.625%
HK$10,512
+HK$603/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,818/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$10,373
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,652
−HK$282/mo
Today · 4.125%
HK$10,934
baseline
▲ 0.50% · 4.625%
HK$11,510
+HK$576/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,868/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$10,879
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,217
−HK$344/mo
Today · 4.125%
HK$11,561
baseline
▲ 0.50% · 4.625%
HK$12,264
+HK$703/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,122/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$12,102
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,427
−HK$329/mo
Today · 4.125%
HK$12,756
baseline
▲ 0.50% · 4.625%
HK$13,429
+HK$673/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,512/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$13,987
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,422
−HK$442/mo
Today · 4.125%
HK$14,864
baseline
▲ 0.50% · 4.625%
HK$15,768
+HK$904/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,728/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$15,560
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,978
−HK$423/mo
Today · 4.125%
HK$16,401
baseline
▲ 0.50% · 4.625%
HK$17,265
+HK$864/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,802/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).