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$7,727
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,967
−HK$244/mo
Today · 4.125%
HK$8,211
baseline
▲ 0.50% · 4.625%
HK$8,711
+HK$500/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,422/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$8,596
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,826
−HK$234/mo
Today · 4.125%
HK$9,060
baseline
▲ 0.50% · 4.625%
HK$9,538
+HK$478/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,120/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$9,272
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,560
−HK$294/mo
Today · 4.125%
HK$9,854
baseline
▲ 0.50% · 4.625%
HK$10,453
+HK$599/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$19,708/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$10,315
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,592
−HK$280/mo
Today · 4.125%
HK$10,872
baseline
▲ 0.50% · 4.625%
HK$11,445
+HK$573/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$21,744/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$10,817
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,154
−HK$342/mo
Today · 4.125%
HK$11,496
baseline
▲ 0.50% · 4.625%
HK$12,195
+HK$699/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$22,992/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$12,034
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,357
−HK$327/mo
Today · 4.125%
HK$12,684
baseline
▲ 0.50% · 4.625%
HK$13,353
+HK$669/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,368/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$13,908
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,341
−HK$439/mo
Today · 4.125%
HK$14,780
baseline
▲ 0.50% · 4.625%
HK$15,680
+HK$900/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,560/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$15,473
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,888
−HK$421/mo
Today · 4.125%
HK$16,309
baseline
▲ 0.50% · 4.625%
HK$17,168
+HK$859/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,618/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).