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$7,692
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,932
−HK$243/mo
Today · 4.125%
HK$8,175
baseline
▲ 0.50% · 4.625%
HK$8,672
+HK$497/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,350/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$8,558
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,787
−HK$233/mo
Today · 4.125%
HK$9,020
baseline
▲ 0.50% · 4.625%
HK$9,495
+HK$475/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,040/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$9,231
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,518
−HK$292/mo
Today · 4.125%
HK$9,810
baseline
▲ 0.50% · 4.625%
HK$10,406
+HK$596/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,620/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$10,269
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,544
−HK$280/mo
Today · 4.125%
HK$10,824
baseline
▲ 0.50% · 4.625%
HK$11,394
+HK$570/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,648/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$10,769
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,104
−HK$340/mo
Today · 4.125%
HK$11,444
baseline
▲ 0.50% · 4.625%
HK$12,141
+HK$697/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,888/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$11,981
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,302
−HK$326/mo
Today · 4.125%
HK$12,628
baseline
▲ 0.50% · 4.625%
HK$13,293
+HK$665/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,256/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$13,846
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,277
−HK$437/mo
Today · 4.125%
HK$14,714
baseline
▲ 0.50% · 4.625%
HK$15,610
+HK$896/mo
Deposit HK$337K · loan HK$3.04M · min. income ≈ HK$29,428/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$15,404
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,817
−HK$419/mo
Today · 4.125%
HK$16,236
baseline
▲ 0.50% · 4.625%
HK$17,092
+HK$856/mo
Deposit HK$337K · loan HK$3.04M · min. income ≈ HK$32,472/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).