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$7,699
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,938
−HK$243/mo
Today · 4.125%
HK$8,181
baseline
▲ 0.50% · 4.625%
HK$8,679
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,362/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$8,565
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,794
−HK$233/mo
Today · 4.125%
HK$9,027
baseline
▲ 0.50% · 4.625%
HK$9,503
+HK$476/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,054/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$9,238
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,526
−HK$292/mo
Today · 4.125%
HK$9,818
baseline
▲ 0.50% · 4.625%
HK$10,415
+HK$597/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,636/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$10,278
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,553
−HK$280/mo
Today · 4.125%
HK$10,833
baseline
▲ 0.50% · 4.625%
HK$11,404
+HK$571/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,666/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$10,778
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,113
−HK$341/mo
Today · 4.125%
HK$11,454
baseline
▲ 0.50% · 4.625%
HK$12,151
+HK$697/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,908/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$11,991
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,312
−HK$326/mo
Today · 4.125%
HK$12,638
baseline
▲ 0.50% · 4.625%
HK$13,305
+HK$667/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,276/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$13,858
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,289
−HK$438/mo
Today · 4.125%
HK$14,727
baseline
▲ 0.50% · 4.625%
HK$15,623
+HK$896/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,454/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$15,416
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,830
−HK$419/mo
Today · 4.125%
HK$16,249
baseline
▲ 0.50% · 4.625%
HK$17,106
+HK$857/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,498/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).