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$7,711
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,951
−HK$244/mo
Today · 4.125%
HK$8,195
baseline
▲ 0.50% · 4.625%
HK$8,693
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,390/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$8,579
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,809
−HK$233/mo
Today · 4.125%
HK$9,042
baseline
▲ 0.50% · 4.625%
HK$9,519
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,084/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$9,254
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,541
−HK$293/mo
Today · 4.125%
HK$9,834
baseline
▲ 0.50% · 4.625%
HK$10,432
+HK$598/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,668/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$10,294
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,571
−HK$280/mo
Today · 4.125%
HK$10,851
baseline
▲ 0.50% · 4.625%
HK$11,423
+HK$572/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,702/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$10,796
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,132
−HK$341/mo
Today · 4.125%
HK$11,473
baseline
▲ 0.50% · 4.625%
HK$12,171
+HK$698/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$22,946/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$12,010
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,332
−HK$327/mo
Today · 4.125%
HK$12,659
baseline
▲ 0.50% · 4.625%
HK$13,326
+HK$667/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$25,318/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$13,880
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,312
−HK$439/mo
Today · 4.125%
HK$14,751
baseline
▲ 0.50% · 4.625%
HK$15,648
+HK$897/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,502/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$15,442
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,856
−HK$420/mo
Today · 4.125%
HK$16,276
baseline
▲ 0.50% · 4.625%
HK$17,134
+HK$858/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,552/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).