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$7,725
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,965
−HK$244/mo
Today · 4.125%
HK$8,209
baseline
▲ 0.50% · 4.625%
HK$8,708
+HK$499/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,418/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$8,594
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,824
−HK$234/mo
Today · 4.125%
HK$9,058
baseline
▲ 0.50% · 4.625%
HK$9,535
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,116/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$9,269
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,558
−HK$293/mo
Today · 4.125%
HK$9,851
baseline
▲ 0.50% · 4.625%
HK$10,450
+HK$599/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$19,702/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$10,312
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,589
−HK$280/mo
Today · 4.125%
HK$10,869
baseline
▲ 0.50% · 4.625%
HK$11,442
+HK$573/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$21,738/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$10,814
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,151
−HK$342/mo
Today · 4.125%
HK$11,493
baseline
▲ 0.50% · 4.625%
HK$12,192
+HK$699/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$22,986/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$12,031
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,354
−HK$327/mo
Today · 4.125%
HK$12,681
baseline
▲ 0.50% · 4.625%
HK$13,349
+HK$668/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,362/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$13,904
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,337
−HK$439/mo
Today · 4.125%
HK$14,776
baseline
▲ 0.50% · 4.625%
HK$15,675
+HK$899/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,552/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$15,468
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,883
−HK$421/mo
Today · 4.125%
HK$16,304
baseline
▲ 0.50% · 4.625%
HK$17,163
+HK$859/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,608/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).