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$7,687
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,926
−HK$243/mo
Today · 4.125%
HK$8,169
baseline
▲ 0.50% · 4.625%
HK$8,666
+HK$497/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,338/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$8,552
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,781
−HK$233/mo
Today · 4.125%
HK$9,014
baseline
▲ 0.50% · 4.625%
HK$9,489
+HK$475/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,028/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$9,225
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,512
−HK$291/mo
Today · 4.125%
HK$9,803
baseline
▲ 0.50% · 4.625%
HK$10,400
+HK$597/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,606/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$10,262
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,538
−HK$279/mo
Today · 4.125%
HK$10,817
baseline
▲ 0.50% · 4.625%
HK$11,387
+HK$570/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,634/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$10,762
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,097
−HK$340/mo
Today · 4.125%
HK$11,437
baseline
▲ 0.50% · 4.625%
HK$12,133
+HK$696/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,874/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$11,973
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,294
−HK$326/mo
Today · 4.125%
HK$12,620
baseline
▲ 0.50% · 4.625%
HK$13,285
+HK$665/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,240/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$13,837
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,268
−HK$437/mo
Today · 4.125%
HK$14,705
baseline
▲ 0.50% · 4.625%
HK$15,600
+HK$895/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,410/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$15,394
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,807
−HK$418/mo
Today · 4.125%
HK$16,225
baseline
▲ 0.50% · 4.625%
HK$17,081
+HK$856/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,450/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).