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$7,724
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,964
−HK$244/mo
Today · 4.125%
HK$8,208
baseline
▲ 0.50% · 4.625%
HK$8,708
+HK$500/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,416/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$8,593
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,823
−HK$234/mo
Today · 4.125%
HK$9,057
baseline
▲ 0.50% · 4.625%
HK$9,535
+HK$478/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,114/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$9,269
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,557
−HK$293/mo
Today · 4.125%
HK$9,850
baseline
▲ 0.50% · 4.625%
HK$10,450
+HK$600/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,700/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$10,312
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,588
−HK$281/mo
Today · 4.125%
HK$10,869
baseline
▲ 0.50% · 4.625%
HK$11,442
+HK$573/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,738/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$10,814
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,150
−HK$342/mo
Today · 4.125%
HK$11,492
baseline
▲ 0.50% · 4.625%
HK$12,191
+HK$699/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$22,984/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$12,030
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,353
−HK$327/mo
Today · 4.125%
HK$12,680
baseline
▲ 0.50% · 4.625%
HK$13,349
+HK$669/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,360/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$13,903
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,336
−HK$439/mo
Today · 4.125%
HK$14,775
baseline
▲ 0.50% · 4.625%
HK$15,674
+HK$899/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,550/mo (50% DSR)
Upfront cash ≈ HK$339K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,467
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,882
−HK$421/mo
Today · 4.125%
HK$16,303
baseline
▲ 0.50% · 4.625%
HK$17,162
+HK$859/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,606/mo (50% DSR)
Upfront cash ≈ HK$339K (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).