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$7,721
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,961
−HK$244/mo
Today · 4.125%
HK$8,205
baseline
▲ 0.50% · 4.625%
HK$8,705
+HK$500/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,410/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$8,590
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,820
−HK$234/mo
Today · 4.125%
HK$9,054
baseline
▲ 0.50% · 4.625%
HK$9,531
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,108/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$9,266
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,554
−HK$293/mo
Today · 4.125%
HK$9,847
baseline
▲ 0.50% · 4.625%
HK$10,446
+HK$599/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,694/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$10,308
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,584
−HK$281/mo
Today · 4.125%
HK$10,865
baseline
▲ 0.50% · 4.625%
HK$11,437
+HK$572/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,730/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$10,810
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,146
−HK$342/mo
Today · 4.125%
HK$11,488
baseline
▲ 0.50% · 4.625%
HK$12,187
+HK$699/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$22,976/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,026
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,348
−HK$327/mo
Today · 4.125%
HK$12,675
baseline
▲ 0.50% · 4.625%
HK$13,344
+HK$669/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,350/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,898
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,331
−HK$439/mo
Today · 4.125%
HK$14,770
baseline
▲ 0.50% · 4.625%
HK$15,669
+HK$899/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,540/mo (50% DSR)
Upfront cash ≈ HK$339K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,462
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,876
−HK$421/mo
Today · 4.125%
HK$16,297
baseline
▲ 0.50% · 4.625%
HK$17,156
+HK$859/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,594/mo (50% DSR)
Upfront cash ≈ HK$339K (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).