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$7,812
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,055
−HK$247/mo
Today · 4.125%
HK$8,302
baseline
▲ 0.50% · 4.625%
HK$8,807
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,604/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$8,691
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,924
−HK$236/mo
Today · 4.125%
HK$9,160
baseline
▲ 0.50% · 4.625%
HK$9,643
+HK$483/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,320/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$9,374
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,666
−HK$296/mo
Today · 4.125%
HK$9,962
baseline
▲ 0.50% · 4.625%
HK$10,568
+HK$606/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,924/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$10,429
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,709
−HK$283/mo
Today · 4.125%
HK$10,992
baseline
▲ 0.50% · 4.625%
HK$11,572
+HK$580/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$21,984/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$10,937
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,277
−HK$346/mo
Today · 4.125%
HK$11,623
baseline
▲ 0.50% · 4.625%
HK$12,330
+HK$707/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,246/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$12,167
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,493
−HK$331/mo
Today · 4.125%
HK$12,824
baseline
▲ 0.50% · 4.625%
HK$13,500
+HK$676/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,648/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$14,062
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,499
−HK$444/mo
Today · 4.125%
HK$14,943
baseline
▲ 0.50% · 4.625%
HK$15,853
+HK$910/mo
Deposit HK$343K · loan HK$3.08M · min. income ≈ HK$29,886/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,643
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,063
−HK$426/mo
Today · 4.125%
HK$16,489
baseline
▲ 0.50% · 4.625%
HK$17,358
+HK$869/mo
Deposit HK$343K · loan HK$3.08M · min. income ≈ HK$32,978/mo (50% DSR)
Upfront cash ≈ HK$343K (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).