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$7,767
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,009
−HK$245/mo
Today · 4.125%
HK$8,254
baseline
▲ 0.50% · 4.625%
HK$8,756
+HK$502/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,508/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$8,641
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,873
−HK$235/mo
Today · 4.125%
HK$9,108
baseline
▲ 0.50% · 4.625%
HK$9,588
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,216/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$9,321
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,610
−HK$295/mo
Today · 4.125%
HK$9,905
baseline
▲ 0.50% · 4.625%
HK$10,508
+HK$603/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,810/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$10,369
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,647
−HK$282/mo
Today · 4.125%
HK$10,929
baseline
▲ 0.50% · 4.625%
HK$11,505
+HK$576/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,858/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$10,874
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,212
−HK$344/mo
Today · 4.125%
HK$11,556
baseline
▲ 0.50% · 4.625%
HK$12,259
+HK$703/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,112/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$12,097
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,422
−HK$329/mo
Today · 4.125%
HK$12,751
baseline
▲ 0.50% · 4.625%
HK$13,423
+HK$672/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,502/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$13,981
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,416
−HK$442/mo
Today · 4.125%
HK$14,858
baseline
▲ 0.50% · 4.625%
HK$15,762
+HK$904/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,716/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$15,554
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,971
−HK$423/mo
Today · 4.125%
HK$16,394
baseline
▲ 0.50% · 4.625%
HK$17,258
+HK$864/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,788/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).