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$7,722
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,963
−HK$244/mo
Today · 4.125%
HK$8,207
baseline
▲ 0.50% · 4.625%
HK$8,706
+HK$499/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,414/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$8,591
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,822
−HK$233/mo
Today · 4.125%
HK$9,055
baseline
▲ 0.50% · 4.625%
HK$9,533
+HK$478/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,110/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$9,267
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,555
−HK$293/mo
Today · 4.125%
HK$9,848
baseline
▲ 0.50% · 4.625%
HK$10,447
+HK$599/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,696/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$10,309
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,586
−HK$280/mo
Today · 4.125%
HK$10,866
baseline
▲ 0.50% · 4.625%
HK$11,439
+HK$573/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,732/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$10,811
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,148
−HK$341/mo
Today · 4.125%
HK$11,489
baseline
▲ 0.50% · 4.625%
HK$12,189
+HK$700/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$22,978/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$12,028
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,350
−HK$327/mo
Today · 4.125%
HK$12,677
baseline
▲ 0.50% · 4.625%
HK$13,346
+HK$669/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,354/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$13,900
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,333
−HK$439/mo
Today · 4.125%
HK$14,772
baseline
▲ 0.50% · 4.625%
HK$15,671
+HK$899/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,544/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$15,464
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,879
−HK$421/mo
Today · 4.125%
HK$16,300
baseline
▲ 0.50% · 4.625%
HK$17,159
+HK$859/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,600/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).