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$7,705
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,945
−HK$243/mo
Today · 4.125%
HK$8,188
baseline
▲ 0.50% · 4.625%
HK$8,686
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,376/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$8,572
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,802
−HK$233/mo
Today · 4.125%
HK$9,035
baseline
▲ 0.50% · 4.625%
HK$9,511
+HK$476/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,070/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$9,246
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,534
−HK$292/mo
Today · 4.125%
HK$9,826
baseline
▲ 0.50% · 4.625%
HK$10,424
+HK$598/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,652/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$10,286
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,562
−HK$280/mo
Today · 4.125%
HK$10,842
baseline
▲ 0.50% · 4.625%
HK$11,413
+HK$571/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,684/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$10,787
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,122
−HK$341/mo
Today · 4.125%
HK$11,463
baseline
▲ 0.50% · 4.625%
HK$12,161
+HK$698/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$22,926/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$12,000
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,322
−HK$327/mo
Today · 4.125%
HK$12,649
baseline
▲ 0.50% · 4.625%
HK$13,315
+HK$666/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$25,298/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$13,869
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,300
−HK$439/mo
Today · 4.125%
HK$14,739
baseline
▲ 0.50% · 4.625%
HK$15,635
+HK$896/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,478/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$15,429
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,843
−HK$420/mo
Today · 4.125%
HK$16,263
baseline
▲ 0.50% · 4.625%
HK$17,120
+HK$857/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,526/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).