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$7,692
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,931
−HK$243/mo
Today · 4.125%
HK$8,174
baseline
▲ 0.50% · 4.625%
HK$8,671
+HK$497/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,348/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$8,557
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,786
−HK$233/mo
Today · 4.125%
HK$9,019
baseline
▲ 0.50% · 4.625%
HK$9,495
+HK$476/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,038/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$9,230
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,517
−HK$292/mo
Today · 4.125%
HK$9,809
baseline
▲ 0.50% · 4.625%
HK$10,406
+HK$597/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,618/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$10,268
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,544
−HK$279/mo
Today · 4.125%
HK$10,823
baseline
▲ 0.50% · 4.625%
HK$11,394
+HK$571/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,646/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$10,768
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,103
−HK$341/mo
Today · 4.125%
HK$11,444
baseline
▲ 0.50% · 4.625%
HK$12,140
+HK$696/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,888/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$11,980
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,301
−HK$326/mo
Today · 4.125%
HK$12,627
baseline
▲ 0.50% · 4.625%
HK$13,292
+HK$665/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,254/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$13,845
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,276
−HK$437/mo
Today · 4.125%
HK$14,713
baseline
▲ 0.50% · 4.625%
HK$15,608
+HK$895/mo
Deposit HK$337K · loan HK$3.04M · min. income ≈ HK$29,426/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$15,402
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,816
−HK$419/mo
Today · 4.125%
HK$16,235
baseline
▲ 0.50% · 4.625%
HK$17,090
+HK$855/mo
Deposit HK$337K · loan HK$3.04M · min. income ≈ HK$32,470/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).