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$7,721
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,961
−HK$244/mo
Today · 4.125%
HK$8,205
baseline
▲ 0.50% · 4.625%
HK$8,704
+HK$499/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,410/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$9,265
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,553
−HK$293/mo
Today · 4.125%
HK$9,846
baseline
▲ 0.50% · 4.625%
HK$10,445
+HK$599/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,692/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$10,307
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,583
−HK$281/mo
Today · 4.125%
HK$10,864
baseline
▲ 0.50% · 4.625%
HK$11,436
+HK$572/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,728/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$10,809
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,145
−HK$342/mo
Today · 4.125%
HK$11,487
baseline
▲ 0.50% · 4.625%
HK$12,186
+HK$699/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$22,974/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$12,025
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,347
−HK$327/mo
Today · 4.125%
HK$12,674
baseline
▲ 0.50% · 4.625%
HK$13,343
+HK$669/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$13,897
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,329
−HK$440/mo
Today · 4.125%
HK$14,769
baseline
▲ 0.50% · 4.625%
HK$15,667
+HK$898/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,538/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$836/mo
▼ 0.25% · 3.875%
HK$15,875
−HK$421/mo
Today · 4.125%
HK$16,296
baseline
▲ 0.50% · 4.625%
HK$17,155
+HK$859/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,592/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).