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$7,771
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,013
−HK$245/mo
Today · 4.125%
HK$8,258
baseline
▲ 0.50% · 4.625%
HK$8,761
+HK$503/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,516/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$8,645
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,877
−HK$235/mo
Today · 4.125%
HK$9,112
baseline
▲ 0.50% · 4.625%
HK$9,592
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,224/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$9,325
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,615
−HK$295/mo
Today · 4.125%
HK$9,910
baseline
▲ 0.50% · 4.625%
HK$10,513
+HK$603/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,820/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$10,374
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,652
−HK$282/mo
Today · 4.125%
HK$10,934
baseline
▲ 0.50% · 4.625%
HK$11,511
+HK$577/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,868/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$10,879
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,218
−HK$343/mo
Today · 4.125%
HK$11,561
baseline
▲ 0.50% · 4.625%
HK$12,265
+HK$704/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,122/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$12,103
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,428
−HK$329/mo
Today · 4.125%
HK$12,757
baseline
▲ 0.50% · 4.625%
HK$13,429
+HK$672/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,514/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$13,988
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,423
−HK$442/mo
Today · 4.125%
HK$14,865
baseline
▲ 0.50% · 4.625%
HK$15,769
+HK$904/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,730/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$15,561
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,978
−HK$424/mo
Today · 4.125%
HK$16,402
baseline
▲ 0.50% · 4.625%
HK$17,266
+HK$864/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,804/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).