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$7,703
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,942
−HK$244/mo
Today · 4.125%
HK$8,186
baseline
▲ 0.50% · 4.625%
HK$8,684
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,372/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$8,569
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,799
−HK$233/mo
Today · 4.125%
HK$9,032
baseline
▲ 0.50% · 4.625%
HK$9,508
+HK$476/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,064/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$9,243
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,531
−HK$292/mo
Today · 4.125%
HK$9,823
baseline
▲ 0.50% · 4.625%
HK$10,420
+HK$597/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,646/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$10,283
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,559
−HK$279/mo
Today · 4.125%
HK$10,838
baseline
▲ 0.50% · 4.625%
HK$11,410
+HK$572/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,676/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$10,784
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,119
−HK$341/mo
Today · 4.125%
HK$11,460
baseline
▲ 0.50% · 4.625%
HK$12,157
+HK$697/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,920/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$11,997
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,318
−HK$327/mo
Today · 4.125%
HK$12,645
baseline
▲ 0.50% · 4.625%
HK$13,311
+HK$666/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,290/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$13,865
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,296
−HK$438/mo
Today · 4.125%
HK$14,734
baseline
▲ 0.50% · 4.625%
HK$15,631
+HK$897/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,468/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$15,424
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,838
−HK$420/mo
Today · 4.125%
HK$16,258
baseline
▲ 0.50% · 4.625%
HK$17,115
+HK$857/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,516/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).