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$7,695
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,934
−HK$243/mo
Today · 4.125%
HK$8,177
baseline
▲ 0.50% · 4.625%
HK$8,675
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,354/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$8,560
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,790
−HK$233/mo
Today · 4.125%
HK$9,023
baseline
▲ 0.50% · 4.625%
HK$9,499
+HK$476/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,046/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$9,234
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,521
−HK$292/mo
Today · 4.125%
HK$9,813
baseline
▲ 0.50% · 4.625%
HK$10,410
+HK$597/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,626/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$10,273
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,548
−HK$280/mo
Today · 4.125%
HK$10,828
baseline
▲ 0.50% · 4.625%
HK$11,398
+HK$570/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,656/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$10,773
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,108
−HK$340/mo
Today · 4.125%
HK$11,448
baseline
▲ 0.50% · 4.625%
HK$12,145
+HK$697/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,896/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$11,985
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,306
−HK$326/mo
Today · 4.125%
HK$12,632
baseline
▲ 0.50% · 4.625%
HK$13,298
+HK$666/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,264/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$13,851
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,282
−HK$437/mo
Today · 4.125%
HK$14,719
baseline
▲ 0.50% · 4.625%
HK$15,615
+HK$896/mo
Deposit HK$337K · loan HK$3.04M · min. income ≈ HK$29,438/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$15,409
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,822
−HK$419/mo
Today · 4.125%
HK$16,241
baseline
▲ 0.50% · 4.625%
HK$17,097
+HK$856/mo
Deposit HK$337K · loan HK$3.04M · min. income ≈ HK$32,482/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).