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$7,780
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,022
−HK$246/mo
Today · 4.125%
HK$8,268
baseline
▲ 0.50% · 4.625%
HK$8,771
+HK$503/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,536/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$8,656
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,888
−HK$235/mo
Today · 4.125%
HK$9,123
baseline
▲ 0.50% · 4.625%
HK$9,604
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,246/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$9,337
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,627
−HK$295/mo
Today · 4.125%
HK$9,922
baseline
▲ 0.50% · 4.625%
HK$10,526
+HK$604/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$19,844/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$10,387
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,665
−HK$283/mo
Today · 4.125%
HK$10,948
baseline
▲ 0.50% · 4.625%
HK$11,525
+HK$577/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$21,896/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$10,893
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,231
−HK$345/mo
Today · 4.125%
HK$11,576
baseline
▲ 0.50% · 4.625%
HK$12,280
+HK$704/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,152/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$12,118
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,443
−HK$330/mo
Today · 4.125%
HK$12,773
baseline
▲ 0.50% · 4.625%
HK$13,446
+HK$673/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,546/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$14,005
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,440
−HK$443/mo
Today · 4.125%
HK$14,883
baseline
▲ 0.50% · 4.625%
HK$15,789
+HK$906/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,766/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$15,580
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,998
−HK$424/mo
Today · 4.125%
HK$16,422
baseline
▲ 0.50% · 4.625%
HK$17,288
+HK$866/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,844/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).