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$7,704
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,943
−HK$244/mo
Today · 4.125%
HK$8,187
baseline
▲ 0.50% · 4.625%
HK$8,685
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,374/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$8,570
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,800
−HK$233/mo
Today · 4.125%
HK$9,033
baseline
▲ 0.50% · 4.625%
HK$9,510
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,066/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$9,245
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,532
−HK$292/mo
Today · 4.125%
HK$9,824
baseline
▲ 0.50% · 4.625%
HK$10,422
+HK$598/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,648/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$10,284
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,560
−HK$280/mo
Today · 4.125%
HK$10,840
baseline
▲ 0.50% · 4.625%
HK$11,412
+HK$572/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,680/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$10,785
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,121
−HK$341/mo
Today · 4.125%
HK$11,462
baseline
▲ 0.50% · 4.625%
HK$12,159
+HK$697/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,924/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$11,999
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,320
−HK$327/mo
Today · 4.125%
HK$12,647
baseline
▲ 0.50% · 4.625%
HK$13,313
+HK$666/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,294/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$13,867
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,298
−HK$438/mo
Today · 4.125%
HK$14,736
baseline
▲ 0.50% · 4.625%
HK$15,633
+HK$897/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,472/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$15,427
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,840
−HK$420/mo
Today · 4.125%
HK$16,260
baseline
▲ 0.50% · 4.625%
HK$17,117
+HK$857/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,520/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).