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$7,768
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,010
−HK$245/mo
Today · 4.125%
HK$8,255
baseline
▲ 0.50% · 4.625%
HK$8,758
+HK$503/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,510/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$8,642
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,874
−HK$235/mo
Today · 4.125%
HK$9,109
baseline
▲ 0.50% · 4.625%
HK$9,589
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,218/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$9,322
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,612
−HK$294/mo
Today · 4.125%
HK$9,906
baseline
▲ 0.50% · 4.625%
HK$10,509
+HK$603/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,812/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$10,370
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,649
−HK$282/mo
Today · 4.125%
HK$10,931
baseline
▲ 0.50% · 4.625%
HK$11,507
+HK$576/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,862/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$10,875
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,214
−HK$343/mo
Today · 4.125%
HK$11,557
baseline
▲ 0.50% · 4.625%
HK$12,261
+HK$704/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,114/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$12,099
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,423
−HK$330/mo
Today · 4.125%
HK$12,753
baseline
▲ 0.50% · 4.625%
HK$13,425
+HK$672/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,506/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$13,983
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,418
−HK$442/mo
Today · 4.125%
HK$14,860
baseline
▲ 0.50% · 4.625%
HK$15,764
+HK$904/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,720/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$15,556
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,973
−HK$423/mo
Today · 4.125%
HK$16,396
baseline
▲ 0.50% · 4.625%
HK$17,260
+HK$864/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,792/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).