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$7,733
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,974
−HK$244/mo
Today · 4.125%
HK$8,218
baseline
▲ 0.50% · 4.625%
HK$8,718
+HK$500/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,436/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$8,603
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,834
−HK$234/mo
Today · 4.125%
HK$9,068
baseline
▲ 0.50% · 4.625%
HK$9,546
+HK$478/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,136/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$9,280
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,568
−HK$294/mo
Today · 4.125%
HK$9,862
baseline
▲ 0.50% · 4.625%
HK$10,462
+HK$600/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$19,724/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$10,323
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,600
−HK$281/mo
Today · 4.125%
HK$10,881
baseline
▲ 0.50% · 4.625%
HK$11,455
+HK$574/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$21,762/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$10,826
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,163
−HK$342/mo
Today · 4.125%
HK$11,505
baseline
▲ 0.50% · 4.625%
HK$12,205
+HK$700/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$23,010/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$12,044
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,367
−HK$328/mo
Today · 4.125%
HK$12,695
baseline
▲ 0.50% · 4.625%
HK$13,364
+HK$669/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,390/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$13,919
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,352
−HK$440/mo
Today · 4.125%
HK$14,792
baseline
▲ 0.50% · 4.625%
HK$15,692
+HK$900/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,584/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$15,485
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,900
−HK$422/mo
Today · 4.125%
HK$16,322
baseline
▲ 0.50% · 4.625%
HK$17,182
+HK$860/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,644/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).