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$7,766
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,008
−HK$245/mo
Today · 4.125%
HK$8,253
baseline
▲ 0.50% · 4.625%
HK$8,755
+HK$502/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,506/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$8,640
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,871
−HK$235/mo
Today · 4.125%
HK$9,106
baseline
▲ 0.50% · 4.625%
HK$9,586
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,212/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$9,319
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,609
−HK$295/mo
Today · 4.125%
HK$9,904
baseline
▲ 0.50% · 4.625%
HK$10,506
+HK$602/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,808/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$10,368
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,646
−HK$282/mo
Today · 4.125%
HK$10,928
baseline
▲ 0.50% · 4.625%
HK$11,504
+HK$576/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,856/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$10,873
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,211
−HK$343/mo
Today · 4.125%
HK$11,554
baseline
▲ 0.50% · 4.625%
HK$12,257
+HK$703/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,108/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$12,096
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,420
−HK$329/mo
Today · 4.125%
HK$12,749
baseline
▲ 0.50% · 4.625%
HK$13,421
+HK$672/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,498/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$13,979
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,414
−HK$442/mo
Today · 4.125%
HK$14,856
baseline
▲ 0.50% · 4.625%
HK$15,759
+HK$903/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,712/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$15,551
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,969
−HK$423/mo
Today · 4.125%
HK$16,392
baseline
▲ 0.50% · 4.625%
HK$17,256
+HK$864/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,784/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).