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$7,704
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,944
−HK$244/mo
Today · 4.125%
HK$8,188
baseline
▲ 0.50% · 4.625%
HK$8,686
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,376/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$8,571
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,801
−HK$233/mo
Today · 4.125%
HK$9,034
baseline
▲ 0.50% · 4.625%
HK$9,510
+HK$476/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,068/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$9,245
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,533
−HK$292/mo
Today · 4.125%
HK$9,825
baseline
▲ 0.50% · 4.625%
HK$10,423
+HK$598/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,650/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$10,285
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,561
−HK$280/mo
Today · 4.125%
HK$10,841
baseline
▲ 0.50% · 4.625%
HK$11,413
+HK$572/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,682/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$10,786
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,122
−HK$341/mo
Today · 4.125%
HK$11,463
baseline
▲ 0.50% · 4.625%
HK$12,160
+HK$697/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$22,926/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$12,000
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,321
−HK$327/mo
Today · 4.125%
HK$12,648
baseline
▲ 0.50% · 4.625%
HK$13,315
+HK$667/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$25,296/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$13,868
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,299
−HK$439/mo
Today · 4.125%
HK$14,738
baseline
▲ 0.50% · 4.625%
HK$15,634
+HK$896/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,476/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$15,428
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,842
−HK$420/mo
Today · 4.125%
HK$16,262
baseline
▲ 0.50% · 4.625%
HK$17,119
+HK$857/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,524/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).