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$7,693
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,932
−HK$243/mo
Today · 4.125%
HK$8,175
baseline
▲ 0.50% · 4.625%
HK$8,673
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,350/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$8,558
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,788
−HK$233/mo
Today · 4.125%
HK$9,021
baseline
▲ 0.50% · 4.625%
HK$9,496
+HK$475/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,042/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$9,231
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,519
−HK$291/mo
Today · 4.125%
HK$9,810
baseline
▲ 0.50% · 4.625%
HK$10,407
+HK$597/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,620/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$10,270
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,545
−HK$280/mo
Today · 4.125%
HK$10,825
baseline
▲ 0.50% · 4.625%
HK$11,395
+HK$570/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,650/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$10,770
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,105
−HK$340/mo
Today · 4.125%
HK$11,445
baseline
▲ 0.50% · 4.625%
HK$12,142
+HK$697/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,890/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$11,982
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,303
−HK$326/mo
Today · 4.125%
HK$12,629
baseline
▲ 0.50% · 4.625%
HK$13,295
+HK$666/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,258/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$13,847
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,278
−HK$437/mo
Today · 4.125%
HK$14,715
baseline
▲ 0.50% · 4.625%
HK$15,611
+HK$896/mo
Deposit HK$337K · loan HK$3.04M · min. income ≈ HK$29,430/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$15,405
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,818
−HK$419/mo
Today · 4.125%
HK$16,237
baseline
▲ 0.50% · 4.625%
HK$17,093
+HK$856/mo
Deposit HK$337K · loan HK$3.04M · min. income ≈ HK$32,474/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).