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$7,807
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,050
−HK$247/mo
Today · 4.125%
HK$8,297
baseline
▲ 0.50% · 4.625%
HK$8,802
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,594/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$8,686
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,918
−HK$237/mo
Today · 4.125%
HK$9,155
baseline
▲ 0.50% · 4.625%
HK$9,637
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,310/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$9,369
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,660
−HK$296/mo
Today · 4.125%
HK$9,956
baseline
▲ 0.50% · 4.625%
HK$10,562
+HK$606/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,912/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$10,423
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,702
−HK$284/mo
Today · 4.125%
HK$10,986
baseline
▲ 0.50% · 4.625%
HK$11,565
+HK$579/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,972/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$10,930
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,270
−HK$346/mo
Today · 4.125%
HK$11,616
baseline
▲ 0.50% · 4.625%
HK$12,322
+HK$706/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,232/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,160
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,486
−HK$331/mo
Today · 4.125%
HK$12,817
baseline
▲ 0.50% · 4.625%
HK$13,492
+HK$675/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,634/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,053
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,490
−HK$444/mo
Today · 4.125%
HK$14,934
baseline
▲ 0.50% · 4.625%
HK$15,843
+HK$909/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,868/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$15,634
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,053
−HK$426/mo
Today · 4.125%
HK$16,479
baseline
▲ 0.50% · 4.625%
HK$17,347
+HK$868/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,958/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).