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$7,802
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,044
−HK$247/mo
Today · 4.125%
HK$8,291
baseline
▲ 0.50% · 4.625%
HK$8,795
+HK$504/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,582/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$8,679
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,912
−HK$236/mo
Today · 4.125%
HK$9,148
baseline
▲ 0.50% · 4.625%
HK$9,630
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,296/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$9,362
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,653
−HK$296/mo
Today · 4.125%
HK$9,949
baseline
▲ 0.50% · 4.625%
HK$10,555
+HK$606/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,898/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$10,415
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,695
−HK$283/mo
Today · 4.125%
HK$10,978
baseline
▲ 0.50% · 4.625%
HK$11,557
+HK$579/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,956/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$10,922
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,262
−HK$345/mo
Today · 4.125%
HK$11,607
baseline
▲ 0.50% · 4.625%
HK$12,314
+HK$707/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$23,214/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$12,151
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,477
−HK$331/mo
Today · 4.125%
HK$12,808
baseline
▲ 0.50% · 4.625%
HK$13,483
+HK$675/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$25,616/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$14,043
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,480
−HK$444/mo
Today · 4.125%
HK$14,924
baseline
▲ 0.50% · 4.625%
HK$15,832
+HK$908/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,848/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$15,623
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,042
−HK$425/mo
Today · 4.125%
HK$16,467
baseline
▲ 0.50% · 4.625%
HK$17,335
+HK$868/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,934/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).