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$7,726
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,967
−HK$244/mo
Today · 4.125%
HK$8,211
baseline
▲ 0.50% · 4.625%
HK$8,710
+HK$499/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,422/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$8,595
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,826
−HK$234/mo
Today · 4.125%
HK$9,060
baseline
▲ 0.50% · 4.625%
HK$9,537
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,120/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$9,271
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,560
−HK$293/mo
Today · 4.125%
HK$9,853
baseline
▲ 0.50% · 4.625%
HK$10,452
+HK$599/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$19,706/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,314
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,591
−HK$281/mo
Today · 4.125%
HK$10,872
baseline
▲ 0.50% · 4.625%
HK$11,445
+HK$573/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$21,744/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,817
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,153
−HK$342/mo
Today · 4.125%
HK$11,495
baseline
▲ 0.50% · 4.625%
HK$12,194
+HK$699/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$22,990/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$12,034
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,356
−HK$328/mo
Today · 4.125%
HK$12,684
baseline
▲ 0.50% · 4.625%
HK$13,352
+HK$668/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,368/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$13,907
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,340
−HK$439/mo
Today · 4.125%
HK$14,779
baseline
▲ 0.50% · 4.625%
HK$15,679
+HK$900/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,558/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$15,472
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,887
−HK$421/mo
Today · 4.125%
HK$16,308
baseline
▲ 0.50% · 4.625%
HK$17,167
+HK$859/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,616/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).