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$7,700
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,940
−HK$243/mo
Today · 4.125%
HK$8,183
baseline
▲ 0.50% · 4.625%
HK$8,681
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,366/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$8,567
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,796
−HK$234/mo
Today · 4.125%
HK$9,030
baseline
▲ 0.50% · 4.625%
HK$9,505
+HK$475/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,060/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$9,241
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,528
−HK$292/mo
Today · 4.125%
HK$9,820
baseline
▲ 0.50% · 4.625%
HK$10,418
+HK$598/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,640/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$10,280
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,556
−HK$279/mo
Today · 4.125%
HK$10,835
baseline
▲ 0.50% · 4.625%
HK$11,407
+HK$572/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,670/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$10,781
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,116
−HK$341/mo
Today · 4.125%
HK$11,457
baseline
▲ 0.50% · 4.625%
HK$12,154
+HK$697/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,914/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$11,993
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,315
−HK$326/mo
Today · 4.125%
HK$12,641
baseline
▲ 0.50% · 4.625%
HK$13,308
+HK$667/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,282/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$13,861
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,292
−HK$438/mo
Today · 4.125%
HK$14,730
baseline
▲ 0.50% · 4.625%
HK$15,626
+HK$896/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,460/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$15,420
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,834
−HK$419/mo
Today · 4.125%
HK$16,253
baseline
▲ 0.50% · 4.625%
HK$17,110
+HK$857/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,506/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).