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$9,498
+HK$475/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$9,233
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,521
−HK$291/mo
Today · 4.125%
HK$9,812
baseline
▲ 0.50% · 4.625%
HK$10,410
+HK$598/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,624/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$10,272
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,548
−HK$279/mo
Today · 4.125%
HK$10,827
baseline
▲ 0.50% · 4.625%
HK$11,398
+HK$571/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,654/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$10,772
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,107
−HK$341/mo
Today · 4.125%
HK$11,448
baseline
▲ 0.50% · 4.625%
HK$12,144
+HK$696/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$11,984
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,306
−HK$326/mo
Today · 4.125%
HK$12,632
baseline
▲ 0.50% · 4.625%
HK$13,297
+HK$665/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$13,850
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,281
−HK$438/mo
Today · 4.125%
HK$14,719
baseline
▲ 0.50% · 4.625%
HK$15,614
+HK$895/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$15,408
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,821
−HK$420/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).