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$7,723
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,963
−HK$245/mo
Today · 4.125%
HK$8,208
baseline
▲ 0.50% · 4.625%
HK$8,707
+HK$499/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,416/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$8,592
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,822
−HK$234/mo
Today · 4.125%
HK$9,056
baseline
▲ 0.50% · 4.625%
HK$9,534
+HK$478/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,112/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$9,268
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,556
−HK$293/mo
Today · 4.125%
HK$9,849
baseline
▲ 0.50% · 4.625%
HK$10,448
+HK$599/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,698/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$10,310
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,587
−HK$280/mo
Today · 4.125%
HK$10,867
baseline
▲ 0.50% · 4.625%
HK$11,440
+HK$573/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,734/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$10,813
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,149
−HK$342/mo
Today · 4.125%
HK$11,491
baseline
▲ 0.50% · 4.625%
HK$12,190
+HK$699/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$22,982/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$12,029
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,351
−HK$328/mo
Today · 4.125%
HK$12,679
baseline
▲ 0.50% · 4.625%
HK$13,347
+HK$668/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,358/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$13,902
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,334
−HK$440/mo
Today · 4.125%
HK$14,774
baseline
▲ 0.50% · 4.625%
HK$15,673
+HK$899/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,548/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$15,466
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,880
−HK$421/mo
Today · 4.125%
HK$16,301
baseline
▲ 0.50% · 4.625%
HK$17,160
+HK$859/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,602/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).