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$7,691
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,930
−HK$243/mo
Today · 4.125%
HK$8,173
baseline
▲ 0.50% · 4.625%
HK$8,670
+HK$497/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,346/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$8,556
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,785
−HK$233/mo
Today · 4.125%
HK$9,018
baseline
▲ 0.50% · 4.625%
HK$9,493
+HK$475/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,036/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$9,229
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,516
−HK$292/mo
Today · 4.125%
HK$9,808
baseline
▲ 0.50% · 4.625%
HK$10,404
+HK$596/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,616/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$10,267
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,542
−HK$280/mo
Today · 4.125%
HK$10,822
baseline
▲ 0.50% · 4.625%
HK$11,392
+HK$570/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,644/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$10,767
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,102
−HK$340/mo
Today · 4.125%
HK$11,442
baseline
▲ 0.50% · 4.625%
HK$12,138
+HK$696/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,884/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$11,978
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,299
−HK$326/mo
Today · 4.125%
HK$12,625
baseline
▲ 0.50% · 4.625%
HK$13,291
+HK$666/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,250/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$13,843
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,274
−HK$437/mo
Today · 4.125%
HK$14,711
baseline
▲ 0.50% · 4.625%
HK$15,606
+HK$895/mo
Deposit HK$337K · loan HK$3.04M · min. income ≈ HK$29,422/mo (50% DSR)
Upfront cash ≈ HK$337K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,400
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,814
−HK$419/mo
Today · 4.125%
HK$16,233
baseline
▲ 0.50% · 4.625%
HK$17,088
+HK$855/mo
Deposit HK$337K · loan HK$3.04M · min. income ≈ HK$32,466/mo (50% DSR)
Upfront cash ≈ HK$337K (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).