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$7,663
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,901
−HK$242/mo
Today · 4.125%
HK$8,143
baseline
▲ 0.50% · 4.625%
HK$8,639
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,286/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$8,525
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,753
−HK$232/mo
Today · 4.125%
HK$8,985
baseline
▲ 0.50% · 4.625%
HK$9,459
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,970/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$9,195
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,481
−HK$291/mo
Today · 4.125%
HK$9,772
baseline
▲ 0.50% · 4.625%
HK$10,367
+HK$595/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$19,544/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$10,230
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,504
−HK$278/mo
Today · 4.125%
HK$10,782
baseline
▲ 0.50% · 4.625%
HK$11,351
+HK$569/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$21,564/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$10,728
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,062
−HK$339/mo
Today · 4.125%
HK$11,401
baseline
▲ 0.50% · 4.625%
HK$12,094
+HK$693/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,802/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$11,935
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,255
−HK$324/mo
Today · 4.125%
HK$12,579
baseline
▲ 0.50% · 4.625%
HK$13,243
+HK$664/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,158/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$13,793
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,222
−HK$436/mo
Today · 4.125%
HK$14,658
baseline
▲ 0.50% · 4.625%
HK$15,550
+HK$892/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$29,316/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$15,345
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,756
−HK$418/mo
Today · 4.125%
HK$16,174
baseline
▲ 0.50% · 4.625%
HK$17,026
+HK$852/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$32,348/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).