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$7,718
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,958
−HK$244/mo
Today · 4.125%
HK$8,202
baseline
▲ 0.50% · 4.625%
HK$8,701
+HK$499/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,404/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$8,586
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,817
−HK$233/mo
Today · 4.125%
HK$9,050
baseline
▲ 0.50% · 4.625%
HK$9,527
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,100/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$9,262
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,550
−HK$293/mo
Today · 4.125%
HK$9,843
baseline
▲ 0.50% · 4.625%
HK$10,441
+HK$598/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,686/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$10,304
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,580
−HK$280/mo
Today · 4.125%
HK$10,860
baseline
▲ 0.50% · 4.625%
HK$11,433
+HK$573/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,720/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$10,805
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,142
−HK$341/mo
Today · 4.125%
HK$11,483
baseline
▲ 0.50% · 4.625%
HK$12,182
+HK$699/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$22,966/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$12,021
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,343
−HK$327/mo
Today · 4.125%
HK$12,670
baseline
▲ 0.50% · 4.625%
HK$13,338
+HK$668/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,340/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$13,893
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,325
−HK$439/mo
Today · 4.125%
HK$14,764
baseline
▲ 0.50% · 4.625%
HK$15,662
+HK$898/mo
Deposit HK$338K · loan HK$3.05M · min. income ≈ HK$29,528/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$15,455
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,870
−HK$420/mo
Today · 4.125%
HK$16,290
baseline
▲ 0.50% · 4.625%
HK$17,149
+HK$859/mo
Deposit HK$338K · loan HK$3.05M · min. income ≈ HK$32,580/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).