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$7,700
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,939
−HK$244/mo
Today · 4.125%
HK$8,183
baseline
▲ 0.50% · 4.625%
HK$8,681
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,366/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$8,566
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,796
−HK$233/mo
Today · 4.125%
HK$9,029
baseline
▲ 0.50% · 4.625%
HK$9,505
+HK$476/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,058/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$9,240
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,527
−HK$292/mo
Today · 4.125%
HK$9,819
baseline
▲ 0.50% · 4.625%
HK$10,417
+HK$598/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,638/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$10,279
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,555
−HK$279/mo
Today · 4.125%
HK$10,834
baseline
▲ 0.50% · 4.625%
HK$11,406
+HK$572/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,668/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$10,780
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,115
−HK$341/mo
Today · 4.125%
HK$11,456
baseline
▲ 0.50% · 4.625%
HK$12,153
+HK$697/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,912/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$11,992
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,314
−HK$326/mo
Today · 4.125%
HK$12,640
baseline
▲ 0.50% · 4.625%
HK$13,306
+HK$666/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,280/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$13,860
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,291
−HK$438/mo
Today · 4.125%
HK$14,729
baseline
▲ 0.50% · 4.625%
HK$15,625
+HK$896/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,458/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$15,419
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,832
−HK$420/mo
Today · 4.125%
HK$16,252
baseline
▲ 0.50% · 4.625%
HK$17,108
+HK$856/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,504/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).