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$7,717
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,957
−HK$244/mo
Today · 4.125%
HK$8,201
baseline
▲ 0.50% · 4.625%
HK$8,700
+HK$499/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,402/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$8,585
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,815
−HK$234/mo
Today · 4.125%
HK$9,049
baseline
▲ 0.50% · 4.625%
HK$9,526
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,098/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$9,260
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,548
−HK$293/mo
Today · 4.125%
HK$9,841
baseline
▲ 0.50% · 4.625%
HK$10,440
+HK$599/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,682/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$10,302
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,578
−HK$280/mo
Today · 4.125%
HK$10,858
baseline
▲ 0.50% · 4.625%
HK$11,431
+HK$573/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,716/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$10,803
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,139
−HK$342/mo
Today · 4.125%
HK$11,481
baseline
▲ 0.50% · 4.625%
HK$12,179
+HK$698/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$22,962/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$12,019
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,341
−HK$327/mo
Today · 4.125%
HK$12,668
baseline
▲ 0.50% · 4.625%
HK$13,336
+HK$668/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,336/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$13,890
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,322
−HK$439/mo
Today · 4.125%
HK$14,761
baseline
▲ 0.50% · 4.625%
HK$15,659
+HK$898/mo
Deposit HK$338K · loan HK$3.05M · min. income ≈ HK$29,522/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$15,453
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,867
−HK$420/mo
Today · 4.125%
HK$16,287
baseline
▲ 0.50% · 4.625%
HK$17,146
+HK$859/mo
Deposit HK$338K · loan HK$3.05M · min. income ≈ HK$32,574/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).