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$7,688
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,927
−HK$243/mo
Today · 4.125%
HK$8,170
baseline
▲ 0.50% · 4.625%
HK$8,667
+HK$497/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,340/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$8,782
−HK$232/mo
Today · 4.125%
HK$9,014
baseline
▲ 0.50% · 4.625%
HK$9,490
+HK$476/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$579/mo
▼ 0.25% · 3.875%
HK$9,512
−HK$292/mo
Today · 4.125%
HK$9,804
baseline
▲ 0.50% · 4.625%
HK$10,400
+HK$596/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,608/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$10,263
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,538
−HK$279/mo
Today · 4.125%
HK$10,817
baseline
▲ 0.50% · 4.625%
HK$11,388
+HK$571/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$10,763
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,097
−HK$341/mo
Today · 4.125%
HK$11,438
baseline
▲ 0.50% · 4.625%
HK$12,134
+HK$696/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,876/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$12,295
−HK$325/mo
Today · 4.125%
HK$12,620
baseline
▲ 0.50% · 4.625%
HK$13,286
+HK$666/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$13,838
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,268
−HK$438/mo
Today · 4.125%
HK$14,706
baseline
▲ 0.50% · 4.625%
HK$15,600
+HK$894/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,412/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$832/mo
▼ 0.25% · 3.875%
HK$15,807
−HK$419/mo
Today · 4.125%
HK$16,226
baseline
▲ 0.50% · 4.625%
HK$17,081
+HK$855/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,452/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).