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$7,791
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,034
−HK$246/mo
Today · 4.125%
HK$8,280
baseline
▲ 0.50% · 4.625%
HK$8,784
+HK$504/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,560/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$8,668
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,900
−HK$236/mo
Today · 4.125%
HK$9,136
baseline
▲ 0.50% · 4.625%
HK$9,617
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,272/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$9,349
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,640
−HK$296/mo
Today · 4.125%
HK$9,936
baseline
▲ 0.50% · 4.625%
HK$10,540
+HK$604/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,872/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$10,401
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,680
−HK$283/mo
Today · 4.125%
HK$10,963
baseline
▲ 0.50% · 4.625%
HK$11,541
+HK$578/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,926/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$10,908
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,247
−HK$345/mo
Today · 4.125%
HK$11,592
baseline
▲ 0.50% · 4.625%
HK$12,297
+HK$705/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$23,184/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$12,135
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,460
−HK$330/mo
Today · 4.125%
HK$12,790
baseline
▲ 0.50% · 4.625%
HK$13,464
+HK$674/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$25,580/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$14,024
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,460
−HK$444/mo
Today · 4.125%
HK$14,904
baseline
▲ 0.50% · 4.625%
HK$15,810
+HK$906/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,808/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,602
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,020
−HK$425/mo
Today · 4.125%
HK$16,445
baseline
▲ 0.50% · 4.625%
HK$17,311
+HK$866/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,890/mo (50% DSR)
Upfront cash ≈ HK$342K (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).