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$7,667
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,906
−HK$242/mo
Today · 4.125%
HK$8,148
baseline
▲ 0.50% · 4.625%
HK$8,644
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,296/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$8,530
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,759
−HK$232/mo
Today · 4.125%
HK$8,991
baseline
▲ 0.50% · 4.625%
HK$9,465
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,982/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$9,201
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,487
−HK$291/mo
Today · 4.125%
HK$9,778
baseline
▲ 0.50% · 4.625%
HK$10,373
+HK$595/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,556/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$10,236
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,510
−HK$279/mo
Today · 4.125%
HK$10,789
baseline
▲ 0.50% · 4.625%
HK$11,358
+HK$569/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,578/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$10,734
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,068
−HK$339/mo
Today · 4.125%
HK$11,407
baseline
▲ 0.50% · 4.625%
HK$12,102
+HK$695/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,814/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$11,942
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,262
−HK$325/mo
Today · 4.125%
HK$12,587
baseline
▲ 0.50% · 4.625%
HK$13,251
+HK$664/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,174/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$13,801
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,231
−HK$436/mo
Today · 4.125%
HK$14,667
baseline
▲ 0.50% · 4.625%
HK$15,559
+HK$892/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$29,334/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$15,354
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,766
−HK$417/mo
Today · 4.125%
HK$16,183
baseline
▲ 0.50% · 4.625%
HK$17,036
+HK$853/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$32,366/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).