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$7,714
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,954
−HK$243/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$464/mo
▼ 0.25% · 3.875%
HK$8,812
−HK$233/mo
Today · 4.125%
HK$9,045
baseline
▲ 0.50% · 4.625%
HK$9,522
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,090/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$581/mo
▼ 0.25% · 3.875%
HK$9,544
−HK$293/mo
Today · 4.125%
HK$9,837
baseline
▲ 0.50% · 4.625%
HK$10,435
+HK$598/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,674/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$10,298
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,574
−HK$280/mo
Today · 4.125%
HK$10,854
baseline
▲ 0.50% · 4.625%
HK$11,426
+HK$572/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,708/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$10,799
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,135
−HK$341/mo
Today · 4.125%
HK$11,476
baseline
▲ 0.50% · 4.625%
HK$12,175
+HK$699/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$12,014
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,336
−HK$327/mo
Today · 4.125%
HK$12,663
baseline
▲ 0.50% · 4.625%
HK$13,331
+HK$668/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$25,326/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$13,885
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,317
−HK$438/mo
Today · 4.125%
HK$14,755
baseline
▲ 0.50% · 4.625%
HK$15,653
+HK$898/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,510/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$15,447
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,861
−HK$420/mo
Today · 4.125%
HK$16,281
baseline
▲ 0.50% · 4.625%
HK$17,139
+HK$858/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,562/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).