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$7,686
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,925
−HK$243/mo
Today · 4.125%
HK$8,168
baseline
▲ 0.50% · 4.625%
HK$8,665
+HK$497/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,336/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$8,551
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,780
−HK$233/mo
Today · 4.125%
HK$9,013
baseline
▲ 0.50% · 4.625%
HK$9,488
+HK$475/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,026/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$9,223
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,510
−HK$292/mo
Today · 4.125%
HK$9,802
baseline
▲ 0.50% · 4.625%
HK$10,398
+HK$596/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,604/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$10,261
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,536
−HK$279/mo
Today · 4.125%
HK$10,815
baseline
▲ 0.50% · 4.625%
HK$11,385
+HK$570/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,630/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$10,760
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,095
−HK$340/mo
Today · 4.125%
HK$11,435
baseline
▲ 0.50% · 4.625%
HK$12,131
+HK$696/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,870/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$11,971
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,292
−HK$326/mo
Today · 4.125%
HK$12,618
baseline
▲ 0.50% · 4.625%
HK$13,283
+HK$665/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,236/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$13,835
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,265
−HK$437/mo
Today · 4.125%
HK$14,702
baseline
▲ 0.50% · 4.625%
HK$15,597
+HK$895/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,404/mo (50% DSR)
Upfront cash ≈ HK$337K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,391
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,804
−HK$419/mo
Today · 4.125%
HK$16,223
baseline
▲ 0.50% · 4.625%
HK$17,078
+HK$855/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,446/mo (50% DSR)
Upfront cash ≈ HK$337K (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).