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$7,739
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,980
−HK$244/mo
Today · 4.125%
HK$8,224
baseline
▲ 0.50% · 4.625%
HK$8,725
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,448/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$8,609
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,840
−HK$235/mo
Today · 4.125%
HK$9,075
baseline
▲ 0.50% · 4.625%
HK$9,553
+HK$478/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,150/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$9,287
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,576
−HK$293/mo
Today · 4.125%
HK$9,869
baseline
▲ 0.50% · 4.625%
HK$10,470
+HK$601/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,738/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$10,331
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,608
−HK$282/mo
Today · 4.125%
HK$10,890
baseline
▲ 0.50% · 4.625%
HK$11,464
+HK$574/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,780/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$10,835
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,172
−HK$342/mo
Today · 4.125%
HK$11,514
baseline
▲ 0.50% · 4.625%
HK$12,215
+HK$701/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,028/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$12,053
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,377
−HK$327/mo
Today · 4.125%
HK$12,704
baseline
▲ 0.50% · 4.625%
HK$13,374
+HK$670/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,408/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$13,930
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,363
−HK$441/mo
Today · 4.125%
HK$14,804
baseline
▲ 0.50% · 4.625%
HK$15,704
+HK$900/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,608/mo (50% DSR)
Upfront cash ≈ HK$339K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,497
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,913
−HK$421/mo
Today · 4.125%
HK$16,334
baseline
▲ 0.50% · 4.625%
HK$17,195
+HK$861/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,668/mo (50% DSR)
Upfront cash ≈ HK$339K (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).