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$7,658
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,896
−HK$242/mo
Today · 4.125%
HK$8,138
baseline
▲ 0.50% · 4.625%
HK$8,634
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,276/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,520
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,748
−HK$232/mo
Today · 4.125%
HK$8,980
baseline
▲ 0.50% · 4.625%
HK$9,453
+HK$473/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,960/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,190
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,476
−HK$290/mo
Today · 4.125%
HK$9,766
baseline
▲ 0.50% · 4.625%
HK$10,360
+HK$594/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$19,532/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,224
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,498
−HK$278/mo
Today · 4.125%
HK$10,776
baseline
▲ 0.50% · 4.625%
HK$11,344
+HK$568/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$21,552/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,722
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,055
−HK$339/mo
Today · 4.125%
HK$11,394
baseline
▲ 0.50% · 4.625%
HK$12,087
+HK$693/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,788/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$11,928
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,247
−HK$325/mo
Today · 4.125%
HK$12,572
baseline
▲ 0.50% · 4.625%
HK$13,235
+HK$663/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,144/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$13,785
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,214
−HK$435/mo
Today · 4.125%
HK$14,649
baseline
▲ 0.50% · 4.625%
HK$15,541
+HK$892/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$29,298/mo (50% DSR)
Upfront cash ≈ HK$336K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,335
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,747
−HK$417/mo
Today · 4.125%
HK$16,164
baseline
▲ 0.50% · 4.625%
HK$17,016
+HK$852/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$32,328/mo (50% DSR)
Upfront cash ≈ HK$336K (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).