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$7,690
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,929
−HK$243/mo
Today · 4.125%
HK$8,172
baseline
▲ 0.50% · 4.625%
HK$8,669
+HK$497/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,344/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$8,555
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,784
−HK$233/mo
Today · 4.125%
HK$9,017
baseline
▲ 0.50% · 4.625%
HK$9,492
+HK$475/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,034/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$9,228
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,515
−HK$291/mo
Today · 4.125%
HK$9,806
baseline
▲ 0.50% · 4.625%
HK$10,403
+HK$597/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,612/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$10,266
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,541
−HK$279/mo
Today · 4.125%
HK$10,820
baseline
▲ 0.50% · 4.625%
HK$11,391
+HK$571/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,640/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$10,765
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,100
−HK$341/mo
Today · 4.125%
HK$11,441
baseline
▲ 0.50% · 4.625%
HK$12,137
+HK$696/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,882/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$11,976
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,298
−HK$326/mo
Today · 4.125%
HK$12,624
baseline
▲ 0.50% · 4.625%
HK$13,289
+HK$665/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,248/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$13,841
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,272
−HK$437/mo
Today · 4.125%
HK$14,709
baseline
▲ 0.50% · 4.625%
HK$15,604
+HK$895/mo
Deposit HK$337K · loan HK$3.04M · min. income ≈ HK$29,418/mo (50% DSR)
Upfront cash ≈ HK$337K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,398
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,811
−HK$419/mo
Today · 4.125%
HK$16,230
baseline
▲ 0.50% · 4.625%
HK$17,086
+HK$856/mo
Deposit HK$337K · loan HK$3.04M · min. income ≈ HK$32,460/mo (50% DSR)
Upfront cash ≈ HK$337K (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).