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$7,685
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,924
−HK$242/mo
Today · 4.125%
HK$8,166
baseline
▲ 0.50% · 4.625%
HK$8,663
+HK$497/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,332/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$8,549
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,778
−HK$233/mo
Today · 4.125%
HK$9,011
baseline
▲ 0.50% · 4.625%
HK$9,486
+HK$475/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,022/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$9,221
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,508
−HK$292/mo
Today · 4.125%
HK$9,800
baseline
▲ 0.50% · 4.625%
HK$10,396
+HK$596/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,600/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$10,259
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,534
−HK$279/mo
Today · 4.125%
HK$10,813
baseline
▲ 0.50% · 4.625%
HK$11,383
+HK$570/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,626/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$10,758
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,093
−HK$340/mo
Today · 4.125%
HK$11,433
baseline
▲ 0.50% · 4.625%
HK$12,129
+HK$696/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,866/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$11,969
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,290
−HK$325/mo
Today · 4.125%
HK$12,615
baseline
▲ 0.50% · 4.625%
HK$13,280
+HK$665/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,230/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$13,832
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,262
−HK$438/mo
Today · 4.125%
HK$14,700
baseline
▲ 0.50% · 4.625%
HK$15,594
+HK$894/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,400/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$15,388
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,801
−HK$419/mo
Today · 4.125%
HK$16,220
baseline
▲ 0.50% · 4.625%
HK$17,075
+HK$855/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,440/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).