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$7,688
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,927
−HK$243/mo
Today · 4.125%
HK$8,170
baseline
▲ 0.50% · 4.625%
HK$8,667
+HK$497/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,340/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$8,553
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,782
−HK$233/mo
Today · 4.125%
HK$9,015
baseline
▲ 0.50% · 4.625%
HK$9,490
+HK$475/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,030/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$9,226
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,513
−HK$291/mo
Today · 4.125%
HK$9,804
baseline
▲ 0.50% · 4.625%
HK$10,401
+HK$597/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,608/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$10,263
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,539
−HK$279/mo
Today · 4.125%
HK$10,818
baseline
▲ 0.50% · 4.625%
HK$11,388
+HK$570/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,636/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$10,763
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,098
−HK$340/mo
Today · 4.125%
HK$11,438
baseline
▲ 0.50% · 4.625%
HK$12,134
+HK$696/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,876/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$11,974
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,295
−HK$326/mo
Today · 4.125%
HK$12,621
baseline
▲ 0.50% · 4.625%
HK$13,286
+HK$665/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,242/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$13,838
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,269
−HK$437/mo
Today · 4.125%
HK$14,706
baseline
▲ 0.50% · 4.625%
HK$15,601
+HK$895/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,412/mo (50% DSR)
Upfront cash ≈ HK$337K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,395
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,808
−HK$419/mo
Today · 4.125%
HK$16,227
baseline
▲ 0.50% · 4.625%
HK$17,082
+HK$855/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,454/mo (50% DSR)
Upfront cash ≈ HK$337K (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).