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$7,666
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,904
−HK$243/mo
Today · 4.125%
HK$8,147
baseline
▲ 0.50% · 4.625%
HK$8,642
+HK$495/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,294/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$8,528
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,757
−HK$232/mo
Today · 4.125%
HK$8,989
baseline
▲ 0.50% · 4.625%
HK$9,463
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,978/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$9,199
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,485
−HK$291/mo
Today · 4.125%
HK$9,776
baseline
▲ 0.50% · 4.625%
HK$10,371
+HK$595/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$19,552/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$10,234
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,508
−HK$279/mo
Today · 4.125%
HK$10,787
baseline
▲ 0.50% · 4.625%
HK$11,355
+HK$568/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$21,574/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$10,732
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,066
−HK$339/mo
Today · 4.125%
HK$11,405
baseline
▲ 0.50% · 4.625%
HK$12,099
+HK$694/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,810/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$11,939
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,260
−HK$324/mo
Today · 4.125%
HK$12,584
baseline
▲ 0.50% · 4.625%
HK$13,248
+HK$664/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,168/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$13,799
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,228
−HK$436/mo
Today · 4.125%
HK$14,664
baseline
▲ 0.50% · 4.625%
HK$15,556
+HK$892/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$29,328/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$15,351
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,762
−HK$418/mo
Today · 4.125%
HK$16,180
baseline
▲ 0.50% · 4.625%
HK$17,033
+HK$853/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$32,360/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).