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$7,720
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,960
−HK$244/mo
Today · 4.125%
HK$8,204
baseline
▲ 0.50% · 4.625%
HK$8,704
+HK$500/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,408/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$8,589
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,819
−HK$234/mo
Today · 4.125%
HK$9,053
baseline
▲ 0.50% · 4.625%
HK$9,530
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,106/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$9,264
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,552
−HK$293/mo
Today · 4.125%
HK$9,845
baseline
▲ 0.50% · 4.625%
HK$10,444
+HK$599/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,690/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$10,306
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,583
−HK$280/mo
Today · 4.125%
HK$10,863
baseline
▲ 0.50% · 4.625%
HK$11,436
+HK$573/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,726/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$10,808
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,145
−HK$341/mo
Today · 4.125%
HK$11,486
baseline
▲ 0.50% · 4.625%
HK$12,185
+HK$699/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$22,972/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$12,024
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,347
−HK$327/mo
Today · 4.125%
HK$12,674
baseline
▲ 0.50% · 4.625%
HK$13,342
+HK$668/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,348/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$13,896
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,329
−HK$439/mo
Today · 4.125%
HK$14,768
baseline
▲ 0.50% · 4.625%
HK$15,667
+HK$899/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,536/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$15,460
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,874
−HK$421/mo
Today · 4.125%
HK$16,295
baseline
▲ 0.50% · 4.625%
HK$17,154
+HK$859/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,590/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).