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$7,776
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,018
−HK$246/mo
Today · 4.125%
HK$8,264
baseline
▲ 0.50% · 4.625%
HK$8,767
+HK$503/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,528/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$8,651
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,883
−HK$236/mo
Today · 4.125%
HK$9,119
baseline
▲ 0.50% · 4.625%
HK$9,599
+HK$480/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,238/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$9,332
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,622
−HK$295/mo
Today · 4.125%
HK$9,917
baseline
▲ 0.50% · 4.625%
HK$10,520
+HK$603/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$19,834/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$10,381
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,660
−HK$282/mo
Today · 4.125%
HK$10,942
baseline
▲ 0.50% · 4.625%
HK$11,519
+HK$577/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$21,884/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$10,887
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,226
−HK$344/mo
Today · 4.125%
HK$11,570
baseline
▲ 0.50% · 4.625%
HK$12,274
+HK$704/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,140/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$12,112
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,437
−HK$329/mo
Today · 4.125%
HK$12,766
baseline
▲ 0.50% · 4.625%
HK$13,439
+HK$673/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,532/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$13,998
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,433
−HK$442/mo
Today · 4.125%
HK$14,875
baseline
▲ 0.50% · 4.625%
HK$15,780
+HK$905/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,750/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$15,572
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,990
−HK$423/mo
Today · 4.125%
HK$16,413
baseline
▲ 0.50% · 4.625%
HK$17,279
+HK$866/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,826/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).