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$7,707
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,947
−HK$243/mo
Today · 4.125%
HK$8,190
baseline
▲ 0.50% · 4.625%
HK$8,689
+HK$499/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,380/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$8,574
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,804
−HK$233/mo
Today · 4.125%
HK$9,037
baseline
▲ 0.50% · 4.625%
HK$9,514
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,074/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$9,248
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,536
−HK$292/mo
Today · 4.125%
HK$9,828
baseline
▲ 0.50% · 4.625%
HK$10,426
+HK$598/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,656/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$10,289
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,565
−HK$280/mo
Today · 4.125%
HK$10,845
baseline
▲ 0.50% · 4.625%
HK$11,416
+HK$571/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,690/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$10,790
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,125
−HK$341/mo
Today · 4.125%
HK$11,466
baseline
▲ 0.50% · 4.625%
HK$12,164
+HK$698/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$22,932/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$12,004
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,326
−HK$326/mo
Today · 4.125%
HK$12,652
baseline
▲ 0.50% · 4.625%
HK$13,319
+HK$667/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$25,304/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$13,873
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,304
−HK$439/mo
Today · 4.125%
HK$14,743
baseline
▲ 0.50% · 4.625%
HK$15,640
+HK$897/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,486/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$15,433
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,847
−HK$420/mo
Today · 4.125%
HK$16,267
baseline
▲ 0.50% · 4.625%
HK$17,124
+HK$857/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,534/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).