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$7,689
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,928
−HK$243/mo
Today · 4.125%
HK$8,171
baseline
▲ 0.50% · 4.625%
HK$8,669
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,342/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$8,554
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,784
−HK$232/mo
Today · 4.125%
HK$9,016
baseline
▲ 0.50% · 4.625%
HK$9,492
+HK$476/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,032/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$9,227
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,514
−HK$292/mo
Today · 4.125%
HK$9,806
baseline
▲ 0.50% · 4.625%
HK$10,402
+HK$596/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,612/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$10,265
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,540
−HK$280/mo
Today · 4.125%
HK$10,820
baseline
▲ 0.50% · 4.625%
HK$11,390
+HK$570/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,640/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$10,765
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,100
−HK$340/mo
Today · 4.125%
HK$11,440
baseline
▲ 0.50% · 4.625%
HK$12,136
+HK$696/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,880/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$11,976
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,297
−HK$326/mo
Today · 4.125%
HK$12,623
baseline
▲ 0.50% · 4.625%
HK$13,288
+HK$665/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,246/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$13,841
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,271
−HK$438/mo
Today · 4.125%
HK$14,709
baseline
▲ 0.50% · 4.625%
HK$15,604
+HK$895/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,418/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$15,398
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,811
−HK$418/mo
Today · 4.125%
HK$16,229
baseline
▲ 0.50% · 4.625%
HK$17,085
+HK$856/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,458/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).