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$7,695
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,935
−HK$243/mo
Today · 4.125%
HK$8,178
baseline
▲ 0.50% · 4.625%
HK$8,676
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,356/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$8,561
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,791
−HK$233/mo
Today · 4.125%
HK$9,024
baseline
▲ 0.50% · 4.625%
HK$9,499
+HK$475/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,048/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$579/mo
▼ 0.25% · 3.875%
HK$9,522
−HK$292/mo
Today · 4.125%
HK$9,814
baseline
▲ 0.50% · 4.625%
HK$10,411
+HK$597/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,628/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$10,273
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,549
−HK$279/mo
Today · 4.125%
HK$10,828
baseline
▲ 0.50% · 4.625%
HK$11,399
+HK$571/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,656/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$10,774
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,109
−HK$340/mo
Today · 4.125%
HK$11,449
baseline
▲ 0.50% · 4.625%
HK$12,146
+HK$697/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,898/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$11,986
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,307
−HK$326/mo
Today · 4.125%
HK$12,633
baseline
▲ 0.50% · 4.625%
HK$13,299
+HK$666/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,266/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$13,852
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,283
−HK$437/mo
Today · 4.125%
HK$14,720
baseline
▲ 0.50% · 4.625%
HK$15,616
+HK$896/mo
Deposit HK$337K · loan HK$3.04M · min. income ≈ HK$29,440/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$15,410
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,823
−HK$420/mo
Today · 4.125%
HK$16,243
baseline
▲ 0.50% · 4.625%
HK$17,099
+HK$856/mo
Deposit HK$337K · loan HK$3.04M · min. income ≈ HK$32,486/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).