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$483/mo
▼ 0.25% · 3.875%
HK$7,933
−HK$243/mo
Today · 4.125%
HK$8,176
baseline
▲ 0.50% · 4.625%
HK$8,673
+HK$497/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,352/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$8,559
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,788
−HK$233/mo
Today · 4.125%
HK$9,021
baseline
▲ 0.50% · 4.625%
HK$9,497
+HK$476/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$9,232
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,519
−HK$292/mo
Today · 4.125%
HK$9,811
baseline
▲ 0.50% · 4.625%
HK$10,408
+HK$597/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,622/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$10,271
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,546
−HK$280/mo
Today · 4.125%
HK$10,826
baseline
▲ 0.50% · 4.625%
HK$11,396
+HK$570/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,652/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$10,771
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,106
−HK$340/mo
Today · 4.125%
HK$11,446
baseline
▲ 0.50% · 4.625%
HK$12,143
+HK$697/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,892/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$648/mo
▼ 0.25% · 3.875%
HK$12,304
−HK$326/mo
Today · 4.125%
HK$12,630
baseline
▲ 0.50% · 4.625%
HK$13,295
+HK$665/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,260/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$13,848
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,279
−HK$438/mo
Today · 4.125%
HK$14,717
baseline
▲ 0.50% · 4.625%
HK$15,612
+HK$895/mo
Deposit HK$337K · loan HK$3.04M · min. income ≈ HK$29,434/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$15,406
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,819
−HK$419/mo
Today · 4.125%
HK$16,238
baseline
▲ 0.50% · 4.625%
HK$17,094
+HK$856/mo
Deposit HK$337K · loan HK$3.04M · min. income ≈ HK$32,476/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).