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$7,694
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,934
−HK$243/mo
Today · 4.125%
HK$8,177
baseline
▲ 0.50% · 4.625%
HK$8,675
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,354/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$8,560
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,790
−HK$232/mo
Today · 4.125%
HK$9,022
baseline
▲ 0.50% · 4.625%
HK$9,498
+HK$476/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,044/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$9,233
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,521
−HK$291/mo
Today · 4.125%
HK$9,812
baseline
▲ 0.50% · 4.625%
HK$10,409
+HK$597/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,624/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$10,272
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,547
−HK$280/mo
Today · 4.125%
HK$10,827
baseline
▲ 0.50% · 4.625%
HK$11,398
+HK$571/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,654/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$10,772
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,107
−HK$341/mo
Today · 4.125%
HK$11,448
baseline
▲ 0.50% · 4.625%
HK$12,144
+HK$696/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,896/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$11,984
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,305
−HK$326/mo
Today · 4.125%
HK$12,631
baseline
▲ 0.50% · 4.625%
HK$13,297
+HK$666/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,262/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$13,850
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,281
−HK$438/mo
Today · 4.125%
HK$14,719
baseline
▲ 0.50% · 4.625%
HK$15,614
+HK$895/mo
Deposit HK$337K · loan HK$3.04M · min. income ≈ HK$29,438/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$15,408
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,821
−HK$419/mo
Today · 4.125%
HK$16,240
baseline
▲ 0.50% · 4.625%
HK$17,097
+HK$857/mo
Deposit HK$337K · loan HK$3.04M · min. income ≈ HK$32,480/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).