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$7,713
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,953
−HK$244/mo
Today · 4.125%
HK$8,197
baseline
▲ 0.50% · 4.625%
HK$8,696
+HK$499/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,394/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$8,581
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,811
−HK$233/mo
Today · 4.125%
HK$9,044
baseline
▲ 0.50% · 4.625%
HK$9,521
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,088/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$9,256
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,544
−HK$292/mo
Today · 4.125%
HK$9,836
baseline
▲ 0.50% · 4.625%
HK$10,435
+HK$599/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,672/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$10,297
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,573
−HK$280/mo
Today · 4.125%
HK$10,853
baseline
▲ 0.50% · 4.625%
HK$11,425
+HK$572/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,706/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$10,798
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,134
−HK$342/mo
Today · 4.125%
HK$11,476
baseline
▲ 0.50% · 4.625%
HK$12,174
+HK$698/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$22,952/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$12,013
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,335
−HK$327/mo
Today · 4.125%
HK$12,662
baseline
▲ 0.50% · 4.625%
HK$13,330
+HK$668/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$25,324/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$13,884
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,315
−HK$439/mo
Today · 4.125%
HK$14,754
baseline
▲ 0.50% · 4.625%
HK$15,652
+HK$898/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,508/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$15,445
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,860
−HK$420/mo
Today · 4.125%
HK$16,280
baseline
▲ 0.50% · 4.625%
HK$17,138
+HK$858/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,560/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).