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$7,821
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,064
−HK$247/mo
Today · 4.125%
HK$8,311
baseline
▲ 0.50% · 4.625%
HK$8,817
+HK$506/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,622/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,700
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,934
−HK$237/mo
Today · 4.125%
HK$9,171
baseline
▲ 0.50% · 4.625%
HK$9,654
+HK$483/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,342/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,385
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,677
−HK$296/mo
Today · 4.125%
HK$9,973
baseline
▲ 0.50% · 4.625%
HK$10,580
+HK$607/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,946/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,441
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,721
−HK$284/mo
Today · 4.125%
HK$11,005
baseline
▲ 0.50% · 4.625%
HK$11,585
+HK$580/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,010/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,949
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,290
−HK$346/mo
Today · 4.125%
HK$11,636
baseline
▲ 0.50% · 4.625%
HK$12,344
+HK$708/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,272/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,181
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,507
−HK$332/mo
Today · 4.125%
HK$12,839
baseline
▲ 0.50% · 4.625%
HK$13,515
+HK$676/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,678/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,077
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,515
−HK$445/mo
Today · 4.125%
HK$14,960
baseline
▲ 0.50% · 4.625%
HK$15,870
+HK$910/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$29,920/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,661
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,081
−HK$426/mo
Today · 4.125%
HK$16,507
baseline
▲ 0.50% · 4.625%
HK$17,377
+HK$870/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$33,014/mo (50% DSR)
Upfront cash ≈ HK$343K (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).