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$7,728
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,969
−HK$244/mo
Today · 4.125%
HK$8,213
baseline
▲ 0.50% · 4.625%
HK$8,713
+HK$500/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,426/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$8,598
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,828
−HK$234/mo
Today · 4.125%
HK$9,062
baseline
▲ 0.50% · 4.625%
HK$9,540
+HK$478/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,124/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$9,274
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,562
−HK$293/mo
Today · 4.125%
HK$9,855
baseline
▲ 0.50% · 4.625%
HK$10,455
+HK$600/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$19,710/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$10,317
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,594
−HK$280/mo
Today · 4.125%
HK$10,874
baseline
▲ 0.50% · 4.625%
HK$11,448
+HK$574/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$21,748/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$10,819
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,156
−HK$342/mo
Today · 4.125%
HK$11,498
baseline
▲ 0.50% · 4.625%
HK$12,198
+HK$700/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$22,996/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$12,037
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,359
−HK$328/mo
Today · 4.125%
HK$12,687
baseline
▲ 0.50% · 4.625%
HK$13,356
+HK$669/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,374/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$13,911
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,343
−HK$440/mo
Today · 4.125%
HK$14,783
baseline
▲ 0.50% · 4.625%
HK$15,683
+HK$900/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,566/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$15,476
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,891
−HK$421/mo
Today · 4.125%
HK$16,312
baseline
▲ 0.50% · 4.625%
HK$17,172
+HK$860/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,624/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).