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$7,708
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,947
−HK$244/mo
Today · 4.125%
HK$8,191
baseline
▲ 0.50% · 4.625%
HK$8,689
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,382/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,575
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,805
−HK$233/mo
Today · 4.125%
HK$9,038
baseline
▲ 0.50% · 4.625%
HK$9,514
+HK$476/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,076/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,249
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,537
−HK$292/mo
Today · 4.125%
HK$9,829
baseline
▲ 0.50% · 4.625%
HK$10,427
+HK$598/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,658/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,289
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,565
−HK$280/mo
Today · 4.125%
HK$10,845
baseline
▲ 0.50% · 4.625%
HK$11,417
+HK$572/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,690/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,791
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,126
−HK$341/mo
Today · 4.125%
HK$11,467
baseline
▲ 0.50% · 4.625%
HK$12,165
+HK$698/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$22,934/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,004
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,326
−HK$327/mo
Today · 4.125%
HK$12,653
baseline
▲ 0.50% · 4.625%
HK$13,320
+HK$667/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$25,306/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,874
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,305
−HK$439/mo
Today · 4.125%
HK$14,744
baseline
▲ 0.50% · 4.625%
HK$15,641
+HK$897/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,488/mo (50% DSR)
Upfront cash ≈ HK$338K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,434
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,848
−HK$420/mo
Today · 4.125%
HK$16,268
baseline
▲ 0.50% · 4.625%
HK$17,126
+HK$858/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,536/mo (50% DSR)
Upfront cash ≈ HK$338K (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).