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$7,698
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,938
−HK$243/mo
Today · 4.125%
HK$8,181
baseline
▲ 0.50% · 4.625%
HK$8,679
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,362/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$8,564
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,794
−HK$233/mo
Today · 4.125%
HK$9,027
baseline
▲ 0.50% · 4.625%
HK$9,503
+HK$476/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,054/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$9,238
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,525
−HK$292/mo
Today · 4.125%
HK$9,817
baseline
▲ 0.50% · 4.625%
HK$10,415
+HK$598/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,634/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$10,277
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,553
−HK$279/mo
Today · 4.125%
HK$10,832
baseline
▲ 0.50% · 4.625%
HK$11,403
+HK$571/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,664/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$10,778
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,113
−HK$340/mo
Today · 4.125%
HK$11,453
baseline
▲ 0.50% · 4.625%
HK$12,150
+HK$697/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,906/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$11,990
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,311
−HK$327/mo
Today · 4.125%
HK$12,638
baseline
▲ 0.50% · 4.625%
HK$13,304
+HK$666/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,276/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$13,857
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,288
−HK$438/mo
Today · 4.125%
HK$14,726
baseline
▲ 0.50% · 4.625%
HK$15,622
+HK$896/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,452/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$15,416
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,829
−HK$419/mo
Today · 4.125%
HK$16,248
baseline
▲ 0.50% · 4.625%
HK$17,105
+HK$857/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,496/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).