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$7,702
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,942
−HK$243/mo
Today · 4.125%
HK$8,185
baseline
▲ 0.50% · 4.625%
HK$8,683
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,370/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$8,569
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,799
−HK$233/mo
Today · 4.125%
HK$9,032
baseline
▲ 0.50% · 4.625%
HK$9,508
+HK$476/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,064/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$9,243
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,530
−HK$292/mo
Today · 4.125%
HK$9,822
baseline
▲ 0.50% · 4.625%
HK$10,420
+HK$598/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,644/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$10,283
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,558
−HK$280/mo
Today · 4.125%
HK$10,838
baseline
▲ 0.50% · 4.625%
HK$11,409
+HK$571/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,676/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$10,783
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,119
−HK$340/mo
Today · 4.125%
HK$11,459
baseline
▲ 0.50% · 4.625%
HK$12,157
+HK$698/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,918/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$11,996
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,318
−HK$326/mo
Today · 4.125%
HK$12,644
baseline
▲ 0.50% · 4.625%
HK$13,311
+HK$667/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,288/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$13,864
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,295
−HK$439/mo
Today · 4.125%
HK$14,734
baseline
▲ 0.50% · 4.625%
HK$15,630
+HK$896/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,468/mo (50% DSR)
Upfront cash ≈ HK$338K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,424
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,837
−HK$420/mo
Today · 4.125%
HK$16,257
baseline
▲ 0.50% · 4.625%
HK$17,114
+HK$857/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,514/mo (50% DSR)
Upfront cash ≈ HK$338K (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).