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$7,728
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,968
−HK$244/mo
Today · 4.125%
HK$8,212
baseline
▲ 0.50% · 4.625%
HK$8,712
+HK$500/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,424/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$8,597
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,827
−HK$234/mo
Today · 4.125%
HK$9,061
baseline
▲ 0.50% · 4.625%
HK$9,539
+HK$478/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,122/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$9,273
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,562
−HK$293/mo
Today · 4.125%
HK$9,855
baseline
▲ 0.50% · 4.625%
HK$10,454
+HK$599/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$19,710/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,316
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,593
−HK$281/mo
Today · 4.125%
HK$10,874
baseline
▲ 0.50% · 4.625%
HK$11,447
+HK$573/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$21,748/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,819
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,155
−HK$342/mo
Today · 4.125%
HK$11,497
baseline
▲ 0.50% · 4.625%
HK$12,197
+HK$700/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$22,994/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$12,036
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,358
−HK$328/mo
Today · 4.125%
HK$12,686
baseline
▲ 0.50% · 4.625%
HK$13,355
+HK$669/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,372/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$13,910
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,342
−HK$440/mo
Today · 4.125%
HK$14,782
baseline
▲ 0.50% · 4.625%
HK$15,681
+HK$899/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,564/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$15,474
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,889
−HK$421/mo
Today · 4.125%
HK$16,310
baseline
▲ 0.50% · 4.625%
HK$17,170
+HK$860/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,620/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).