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$7,702
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,941
−HK$244/mo
Today · 4.125%
HK$8,185
baseline
▲ 0.50% · 4.625%
HK$8,683
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,370/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$8,568
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,798
−HK$233/mo
Today · 4.125%
HK$9,031
baseline
▲ 0.50% · 4.625%
HK$9,507
+HK$476/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,062/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$9,242
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,529
−HK$292/mo
Today · 4.125%
HK$9,821
baseline
▲ 0.50% · 4.625%
HK$10,419
+HK$598/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,642/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$10,282
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,557
−HK$280/mo
Today · 4.125%
HK$10,837
baseline
▲ 0.50% · 4.625%
HK$11,408
+HK$571/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,674/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$10,782
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,118
−HK$340/mo
Today · 4.125%
HK$11,458
baseline
▲ 0.50% · 4.625%
HK$12,156
+HK$698/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,916/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$11,995
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,317
−HK$326/mo
Today · 4.125%
HK$12,643
baseline
▲ 0.50% · 4.625%
HK$13,310
+HK$667/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,286/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$13,863
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,294
−HK$438/mo
Today · 4.125%
HK$14,732
baseline
▲ 0.50% · 4.625%
HK$15,629
+HK$897/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,464/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$15,422
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,836
−HK$420/mo
Today · 4.125%
HK$16,256
baseline
▲ 0.50% · 4.625%
HK$17,112
+HK$856/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,512/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).