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$7,696
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,936
−HK$243/mo
Today · 4.125%
HK$8,179
baseline
▲ 0.50% · 4.625%
HK$8,676
+HK$497/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,358/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$8,562
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,792
−HK$233/mo
Today · 4.125%
HK$9,025
baseline
▲ 0.50% · 4.625%
HK$9,500
+HK$475/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$9,235
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,523
−HK$292/mo
Today · 4.125%
HK$9,815
baseline
▲ 0.50% · 4.625%
HK$10,412
+HK$597/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,630/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$10,274
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,550
−HK$279/mo
Today · 4.125%
HK$10,829
baseline
▲ 0.50% · 4.625%
HK$11,400
+HK$571/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,658/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$10,775
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,110
−HK$340/mo
Today · 4.125%
HK$11,450
baseline
▲ 0.50% · 4.625%
HK$12,147
+HK$697/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,900/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$11,987
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,308
−HK$326/mo
Today · 4.125%
HK$12,634
baseline
▲ 0.50% · 4.625%
HK$13,300
+HK$666/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,268/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$13,853
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,284
−HK$438/mo
Today · 4.125%
HK$14,722
baseline
▲ 0.50% · 4.625%
HK$15,618
+HK$896/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,444/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$15,411
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,825
−HK$419/mo
Today · 4.125%
HK$16,244
baseline
▲ 0.50% · 4.625%
HK$17,100
+HK$856/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,488/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).