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$7,685
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,924
−HK$243/mo
Today · 4.125%
HK$8,167
baseline
▲ 0.50% · 4.625%
HK$8,664
+HK$497/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,334/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$8,550
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,779
−HK$233/mo
Today · 4.125%
HK$9,012
baseline
▲ 0.50% · 4.625%
HK$9,487
+HK$475/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,024/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$9,222
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,509
−HK$291/mo
Today · 4.125%
HK$9,800
baseline
▲ 0.50% · 4.625%
HK$10,397
+HK$597/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,600/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$10,260
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,535
−HK$279/mo
Today · 4.125%
HK$10,814
baseline
▲ 0.50% · 4.625%
HK$11,384
+HK$570/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,628/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$10,759
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,094
−HK$340/mo
Today · 4.125%
HK$11,434
baseline
▲ 0.50% · 4.625%
HK$12,130
+HK$696/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,868/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$11,969
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,290
−HK$326/mo
Today · 4.125%
HK$12,616
baseline
▲ 0.50% · 4.625%
HK$13,281
+HK$665/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,232/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$13,833
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,263
−HK$438/mo
Today · 4.125%
HK$14,701
baseline
▲ 0.50% · 4.625%
HK$15,595
+HK$894/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,402/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$15,389
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,802
−HK$419/mo
Today · 4.125%
HK$16,221
baseline
▲ 0.50% · 4.625%
HK$17,076
+HK$855/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,442/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).