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$7,719
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,959
−HK$244/mo
Today · 4.125%
HK$8,203
baseline
▲ 0.50% · 4.625%
HK$8,702
+HK$499/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,406/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$8,587
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,817
−HK$234/mo
Today · 4.125%
HK$9,051
baseline
▲ 0.50% · 4.625%
HK$9,528
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,102/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$9,262
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,550
−HK$293/mo
Today · 4.125%
HK$9,843
baseline
▲ 0.50% · 4.625%
HK$10,442
+HK$599/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,686/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$10,304
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,581
−HK$280/mo
Today · 4.125%
HK$10,861
baseline
▲ 0.50% · 4.625%
HK$11,433
+HK$572/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,722/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$10,806
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,142
−HK$342/mo
Today · 4.125%
HK$11,484
baseline
▲ 0.50% · 4.625%
HK$12,182
+HK$698/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$22,968/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$12,022
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,344
−HK$327/mo
Today · 4.125%
HK$12,671
baseline
▲ 0.50% · 4.625%
HK$13,339
+HK$668/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,342/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$13,893
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,326
−HK$439/mo
Today · 4.125%
HK$14,765
baseline
▲ 0.50% · 4.625%
HK$15,663
+HK$898/mo
Deposit HK$338K · loan HK$3.05M · min. income ≈ HK$29,530/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$15,456
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,871
−HK$420/mo
Today · 4.125%
HK$16,291
baseline
▲ 0.50% · 4.625%
HK$17,150
+HK$859/mo
Deposit HK$338K · loan HK$3.05M · min. income ≈ HK$32,582/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).