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$7,672
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,911
−HK$242/mo
Today · 4.125%
HK$8,153
baseline
▲ 0.50% · 4.625%
HK$8,649
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,306/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$8,535
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,764
−HK$232/mo
Today · 4.125%
HK$8,996
baseline
▲ 0.50% · 4.625%
HK$9,470
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,992/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$9,207
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,493
−HK$291/mo
Today · 4.125%
HK$9,784
baseline
▲ 0.50% · 4.625%
HK$10,379
+HK$595/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,568/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$10,242
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,517
−HK$279/mo
Today · 4.125%
HK$10,796
baseline
▲ 0.50% · 4.625%
HK$11,365
+HK$569/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,592/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$10,741
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,075
−HK$340/mo
Today · 4.125%
HK$11,415
baseline
▲ 0.50% · 4.625%
HK$12,109
+HK$694/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,830/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$11,949
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,270
−HK$325/mo
Today · 4.125%
HK$12,595
baseline
▲ 0.50% · 4.625%
HK$13,259
+HK$664/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,190/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$13,810
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,239
−HK$437/mo
Today · 4.125%
HK$14,676
baseline
▲ 0.50% · 4.625%
HK$15,569
+HK$893/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$29,352/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$15,363
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,775
−HK$418/mo
Today · 4.125%
HK$16,193
baseline
▲ 0.50% · 4.625%
HK$17,047
+HK$854/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$32,386/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).