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$7,659
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,897
−HK$242/mo
Today · 4.125%
HK$8,139
baseline
▲ 0.50% · 4.625%
HK$8,634
+HK$495/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,278/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$461/mo
▼ 0.25% · 3.875%
HK$8,749
−HK$232/mo
Today · 4.125%
HK$8,981
baseline
▲ 0.50% · 4.625%
HK$9,454
+HK$473/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,962/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$577/mo
▼ 0.25% · 3.875%
HK$9,476
−HK$291/mo
Today · 4.125%
HK$9,767
baseline
▲ 0.50% · 4.625%
HK$10,361
+HK$594/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$19,534/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$553/mo
▼ 0.25% · 3.875%
HK$10,498
−HK$279/mo
Today · 4.125%
HK$10,777
baseline
▲ 0.50% · 4.625%
HK$11,345
+HK$568/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$21,554/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$673/mo
▼ 0.25% · 3.875%
HK$11,056
−HK$339/mo
Today · 4.125%
HK$11,395
baseline
▲ 0.50% · 4.625%
HK$12,088
+HK$693/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,790/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$645/mo
▼ 0.25% · 3.875%
HK$12,248
−HK$325/mo
Today · 4.125%
HK$12,573
baseline
▲ 0.50% · 4.625%
HK$13,236
+HK$663/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,146/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$13,786
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,214
−HK$436/mo
Today · 4.125%
HK$14,650
baseline
▲ 0.50% · 4.625%
HK$15,542
+HK$892/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$29,300/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$15,336
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,748
−HK$417/mo
Today · 4.125%
HK$16,165
baseline
▲ 0.50% · 4.625%
HK$17,017
+HK$852/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$32,330/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).