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$7,774
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,016
−HK$246/mo
Today · 4.125%
HK$8,262
baseline
▲ 0.50% · 4.625%
HK$8,765
+HK$503/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,524/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$8,649
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,881
−HK$235/mo
Today · 4.125%
HK$9,116
baseline
▲ 0.50% · 4.625%
HK$9,597
+HK$481/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,232/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$9,329
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,619
−HK$295/mo
Today · 4.125%
HK$9,914
baseline
▲ 0.50% · 4.625%
HK$10,517
+HK$603/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$19,828/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$10,379
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,657
−HK$282/mo
Today · 4.125%
HK$10,939
baseline
▲ 0.50% · 4.625%
HK$11,516
+HK$577/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$21,878/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$10,884
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,223
−HK$344/mo
Today · 4.125%
HK$11,567
baseline
▲ 0.50% · 4.625%
HK$12,270
+HK$703/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,134/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$12,108
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,433
−HK$330/mo
Today · 4.125%
HK$12,763
baseline
▲ 0.50% · 4.625%
HK$13,435
+HK$672/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,526/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$13,994
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,429
−HK$442/mo
Today · 4.125%
HK$14,871
baseline
▲ 0.50% · 4.625%
HK$15,776
+HK$905/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,742/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$15,568
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,985
−HK$424/mo
Today · 4.125%
HK$16,409
baseline
▲ 0.50% · 4.625%
HK$17,274
+HK$865/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,818/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).