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$7,716
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,956
−HK$244/mo
Today · 4.125%
HK$8,200
baseline
▲ 0.50% · 4.625%
HK$8,699
+HK$499/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,400/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$8,584
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,814
−HK$234/mo
Today · 4.125%
HK$9,048
baseline
▲ 0.50% · 4.625%
HK$9,525
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,096/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$9,259
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,547
−HK$293/mo
Today · 4.125%
HK$9,840
baseline
▲ 0.50% · 4.625%
HK$10,439
+HK$599/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,680/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$10,301
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,577
−HK$280/mo
Today · 4.125%
HK$10,857
baseline
▲ 0.50% · 4.625%
HK$11,430
+HK$573/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,714/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$10,802
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,138
−HK$342/mo
Today · 4.125%
HK$11,480
baseline
▲ 0.50% · 4.625%
HK$12,178
+HK$698/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$22,960/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$12,018
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,340
−HK$327/mo
Today · 4.125%
HK$12,667
baseline
▲ 0.50% · 4.625%
HK$13,335
+HK$668/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,334/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$13,889
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,321
−HK$439/mo
Today · 4.125%
HK$14,760
baseline
▲ 0.50% · 4.625%
HK$15,658
+HK$898/mo
Deposit HK$338K · loan HK$3.05M · min. income ≈ HK$29,520/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$15,451
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,866
−HK$420/mo
Today · 4.125%
HK$16,286
baseline
▲ 0.50% · 4.625%
HK$17,144
+HK$858/mo
Deposit HK$338K · loan HK$3.05M · min. income ≈ HK$32,572/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).