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$7,674
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,912
−HK$243/mo
Today · 4.125%
HK$8,155
baseline
▲ 0.50% · 4.625%
HK$8,651
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,310/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$8,537
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,766
−HK$232/mo
Today · 4.125%
HK$8,998
baseline
▲ 0.50% · 4.625%
HK$9,472
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,996/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$9,208
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,495
−HK$291/mo
Today · 4.125%
HK$9,786
baseline
▲ 0.50% · 4.625%
HK$10,381
+HK$595/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,572/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$10,244
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,519
−HK$279/mo
Today · 4.125%
HK$10,798
baseline
▲ 0.50% · 4.625%
HK$11,367
+HK$569/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,596/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$10,743
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,077
−HK$340/mo
Today · 4.125%
HK$11,417
baseline
▲ 0.50% · 4.625%
HK$12,111
+HK$694/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,834/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$11,952
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,272
−HK$325/mo
Today · 4.125%
HK$12,597
baseline
▲ 0.50% · 4.625%
HK$13,261
+HK$664/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,194/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$13,812
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,242
−HK$437/mo
Today · 4.125%
HK$14,679
baseline
▲ 0.50% · 4.625%
HK$15,572
+HK$893/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,358/mo (50% DSR)
Upfront cash ≈ HK$337K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,366
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,778
−HK$418/mo
Today · 4.125%
HK$16,196
baseline
▲ 0.50% · 4.625%
HK$17,050
+HK$854/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,392/mo (50% DSR)
Upfront cash ≈ HK$337K (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).