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$7,728
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,968
−HK$244/mo
Today · 4.125%
HK$8,212
baseline
▲ 0.50% · 4.625%
HK$8,712
+HK$500/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,424/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$8,597
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,828
−HK$234/mo
Today · 4.125%
HK$9,062
baseline
▲ 0.50% · 4.625%
HK$9,539
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,124/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$9,273
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,562
−HK$293/mo
Today · 4.125%
HK$9,855
baseline
▲ 0.50% · 4.625%
HK$10,455
+HK$600/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$19,710/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,317
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,593
−HK$281/mo
Today · 4.125%
HK$10,874
baseline
▲ 0.50% · 4.625%
HK$11,447
+HK$573/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$21,748/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,819
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,156
−HK$341/mo
Today · 4.125%
HK$11,497
baseline
▲ 0.50% · 4.625%
HK$12,197
+HK$700/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$22,994/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,036
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,359
−HK$327/mo
Today · 4.125%
HK$12,686
baseline
▲ 0.50% · 4.625%
HK$13,355
+HK$669/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,372/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,910
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,343
−HK$439/mo
Today · 4.125%
HK$14,782
baseline
▲ 0.50% · 4.625%
HK$15,682
+HK$900/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,564/mo (50% DSR)
Upfront cash ≈ HK$339K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,475
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,890
−HK$421/mo
Today · 4.125%
HK$16,311
baseline
▲ 0.50% · 4.625%
HK$17,171
+HK$860/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,622/mo (50% DSR)
Upfront cash ≈ HK$339K (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).