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$7,709
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,949
−HK$244/mo
Today · 4.125%
HK$8,193
baseline
▲ 0.50% · 4.625%
HK$8,691
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,386/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$8,576
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,806
−HK$234/mo
Today · 4.125%
HK$9,040
baseline
▲ 0.50% · 4.625%
HK$9,516
+HK$476/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,080/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$9,251
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,539
−HK$292/mo
Today · 4.125%
HK$9,831
baseline
▲ 0.50% · 4.625%
HK$10,429
+HK$598/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,662/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$10,292
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,568
−HK$280/mo
Today · 4.125%
HK$10,848
baseline
▲ 0.50% · 4.625%
HK$11,419
+HK$571/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,696/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$10,793
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,129
−HK$341/mo
Today · 4.125%
HK$11,470
baseline
▲ 0.50% · 4.625%
HK$12,168
+HK$698/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$22,940/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$12,007
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,329
−HK$327/mo
Today · 4.125%
HK$12,656
baseline
▲ 0.50% · 4.625%
HK$13,323
+HK$667/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$25,312/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$13,876
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,308
−HK$439/mo
Today · 4.125%
HK$14,747
baseline
▲ 0.50% · 4.625%
HK$15,644
+HK$897/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,494/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$15,437
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,851
−HK$420/mo
Today · 4.125%
HK$16,271
baseline
▲ 0.50% · 4.625%
HK$17,129
+HK$858/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,542/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).