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$7,729
−HK$484/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$465/mo
▼ 0.25% · 3.875%
HK$8,829
−HK$234/mo
Today · 4.125%
HK$9,063
baseline
▲ 0.50% · 4.625%
HK$9,540
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,126/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$9,275
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,563
−HK$293/mo
Today · 4.125%
HK$9,856
baseline
▲ 0.50% · 4.625%
HK$10,456
+HK$600/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$19,712/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$10,318
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,595
−HK$280/mo
Today · 4.125%
HK$10,875
baseline
▲ 0.50% · 4.625%
HK$11,449
+HK$574/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$21,750/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$10,820
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,157
−HK$342/mo
Today · 4.125%
HK$11,499
baseline
▲ 0.50% · 4.625%
HK$12,199
+HK$700/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$22,998/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$12,038
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,360
−HK$328/mo
Today · 4.125%
HK$12,688
baseline
▲ 0.50% · 4.625%
HK$13,357
+HK$669/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,376/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$13,912
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,345
−HK$439/mo
Today · 4.125%
HK$14,784
baseline
▲ 0.50% · 4.625%
HK$15,684
+HK$900/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,568/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$15,477
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,892
−HK$421/mo
Today · 4.125%
HK$16,313
baseline
▲ 0.50% · 4.625%
HK$17,173
+HK$860/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,626/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).