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$7,715
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,955
−HK$244/mo
Today · 4.125%
HK$8,199
baseline
▲ 0.50% · 4.625%
HK$8,698
+HK$499/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,398/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$8,583
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,814
−HK$233/mo
Today · 4.125%
HK$9,047
baseline
▲ 0.50% · 4.625%
HK$9,524
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,094/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$9,258
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,546
−HK$293/mo
Today · 4.125%
HK$9,839
baseline
▲ 0.50% · 4.625%
HK$10,438
+HK$599/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,678/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$10,300
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,576
−HK$280/mo
Today · 4.125%
HK$10,856
baseline
▲ 0.50% · 4.625%
HK$11,429
+HK$573/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,712/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$10,802
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,138
−HK$341/mo
Today · 4.125%
HK$11,479
baseline
▲ 0.50% · 4.625%
HK$12,177
+HK$698/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$22,958/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$12,017
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,339
−HK$327/mo
Today · 4.125%
HK$12,666
baseline
▲ 0.50% · 4.625%
HK$13,333
+HK$667/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,332/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$13,888
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,320
−HK$439/mo
Today · 4.125%
HK$14,759
baseline
▲ 0.50% · 4.625%
HK$15,657
+HK$898/mo
Deposit HK$338K · loan HK$3.05M · min. income ≈ HK$29,518/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$15,450
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,864
−HK$421/mo
Today · 4.125%
HK$16,285
baseline
▲ 0.50% · 4.625%
HK$17,143
+HK$858/mo
Deposit HK$338K · loan HK$3.05M · min. income ≈ HK$32,570/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).