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$7,789
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,031
−HK$246/mo
Today · 4.125%
HK$8,277
baseline
▲ 0.50% · 4.625%
HK$8,781
+HK$504/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,554/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$8,665
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,898
−HK$235/mo
Today · 4.125%
HK$9,133
baseline
▲ 0.50% · 4.625%
HK$9,615
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,266/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$9,347
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,638
−HK$295/mo
Today · 4.125%
HK$9,933
baseline
▲ 0.50% · 4.625%
HK$10,537
+HK$604/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,866/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$10,398
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,677
−HK$283/mo
Today · 4.125%
HK$10,960
baseline
▲ 0.50% · 4.625%
HK$11,538
+HK$578/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,920/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$10,905
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,244
−HK$344/mo
Today · 4.125%
HK$11,588
baseline
▲ 0.50% · 4.625%
HK$12,294
+HK$706/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,176/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$12,131
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,457
−HK$330/mo
Today · 4.125%
HK$12,787
baseline
▲ 0.50% · 4.625%
HK$13,461
+HK$674/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,574/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$14,020
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,456
−HK$443/mo
Today · 4.125%
HK$14,899
baseline
▲ 0.50% · 4.625%
HK$15,806
+HK$907/mo
Deposit HK$342K · loan HK$3.07M · min. income ≈ HK$29,798/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$15,597
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,016
−HK$424/mo
Today · 4.125%
HK$16,440
baseline
▲ 0.50% · 4.625%
HK$17,307
+HK$867/mo
Deposit HK$342K · loan HK$3.07M · min. income ≈ HK$32,880/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).