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$7,697
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,936
−HK$244/mo
Today · 4.125%
HK$8,180
baseline
▲ 0.50% · 4.625%
HK$8,677
+HK$497/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,360/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$8,563
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,792
−HK$233/mo
Today · 4.125%
HK$9,025
baseline
▲ 0.50% · 4.625%
HK$9,501
+HK$476/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,050/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$9,236
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,524
−HK$292/mo
Today · 4.125%
HK$9,816
baseline
▲ 0.50% · 4.625%
HK$10,413
+HK$597/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,632/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$10,275
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,551
−HK$280/mo
Today · 4.125%
HK$10,831
baseline
▲ 0.50% · 4.625%
HK$11,401
+HK$570/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,662/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$10,776
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,111
−HK$341/mo
Today · 4.125%
HK$11,452
baseline
▲ 0.50% · 4.625%
HK$12,148
+HK$696/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,904/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$11,988
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,309
−HK$327/mo
Today · 4.125%
HK$12,636
baseline
▲ 0.50% · 4.625%
HK$13,302
+HK$666/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,272/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$13,855
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,286
−HK$437/mo
Today · 4.125%
HK$14,723
baseline
▲ 0.50% · 4.625%
HK$15,619
+HK$896/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,446/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$15,413
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,826
−HK$420/mo
Today · 4.125%
HK$16,246
baseline
▲ 0.50% · 4.625%
HK$17,102
+HK$856/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,492/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).