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$7,794
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,036
−HK$247/mo
Today · 4.125%
HK$8,283
baseline
▲ 0.50% · 4.625%
HK$8,787
+HK$504/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,566/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$8,671
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,903
−HK$236/mo
Today · 4.125%
HK$9,139
baseline
▲ 0.50% · 4.625%
HK$9,621
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,278/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$9,353
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,644
−HK$295/mo
Today · 4.125%
HK$9,939
baseline
▲ 0.50% · 4.625%
HK$10,544
+HK$605/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,878/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$10,405
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,684
−HK$283/mo
Today · 4.125%
HK$10,967
baseline
▲ 0.50% · 4.625%
HK$11,545
+HK$578/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,934/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$10,912
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,251
−HK$345/mo
Today · 4.125%
HK$11,596
baseline
▲ 0.50% · 4.625%
HK$12,301
+HK$705/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$23,192/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$12,139
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,465
−HK$330/mo
Today · 4.125%
HK$12,795
baseline
▲ 0.50% · 4.625%
HK$13,469
+HK$674/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$25,590/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$14,029
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,466
−HK$443/mo
Today · 4.125%
HK$14,909
baseline
▲ 0.50% · 4.625%
HK$15,816
+HK$907/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,818/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$15,607
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,026
−HK$425/mo
Today · 4.125%
HK$16,451
baseline
▲ 0.50% · 4.625%
HK$17,318
+HK$867/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,902/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).