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$7,712
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,952
−HK$244/mo
Today · 4.125%
HK$8,196
baseline
▲ 0.50% · 4.625%
HK$8,694
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,392/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$8,580
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,810
−HK$233/mo
Today · 4.125%
HK$9,043
baseline
▲ 0.50% · 4.625%
HK$9,520
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,086/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$9,255
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,542
−HK$293/mo
Today · 4.125%
HK$9,835
baseline
▲ 0.50% · 4.625%
HK$10,433
+HK$598/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,670/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$10,296
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,572
−HK$280/mo
Today · 4.125%
HK$10,852
baseline
▲ 0.50% · 4.625%
HK$11,424
+HK$572/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,704/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$10,797
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,133
−HK$341/mo
Today · 4.125%
HK$11,474
baseline
▲ 0.50% · 4.625%
HK$12,172
+HK$698/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$22,948/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$12,012
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,334
−HK$327/mo
Today · 4.125%
HK$12,661
baseline
▲ 0.50% · 4.625%
HK$13,328
+HK$667/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$25,322/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$13,882
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,314
−HK$438/mo
Today · 4.125%
HK$14,752
baseline
▲ 0.50% · 4.625%
HK$15,650
+HK$898/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,504/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$15,443
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,858
−HK$420/mo
Today · 4.125%
HK$16,278
baseline
▲ 0.50% · 4.625%
HK$17,136
+HK$858/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,556/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).