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$7,684
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,923
−HK$243/mo
Today · 4.125%
HK$8,166
baseline
▲ 0.50% · 4.625%
HK$8,662
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,332/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$8,548
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,777
−HK$233/mo
Today · 4.125%
HK$9,010
baseline
▲ 0.50% · 4.625%
HK$9,485
+HK$475/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$18,020/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$9,221
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,507
−HK$292/mo
Today · 4.125%
HK$9,799
baseline
▲ 0.50% · 4.625%
HK$10,395
+HK$596/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,598/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$10,258
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,533
−HK$279/mo
Today · 4.125%
HK$10,812
baseline
▲ 0.50% · 4.625%
HK$11,382
+HK$570/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,624/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$10,757
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,092
−HK$340/mo
Today · 4.125%
HK$11,432
baseline
▲ 0.50% · 4.625%
HK$12,127
+HK$695/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,864/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$11,967
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,288
−HK$326/mo
Today · 4.125%
HK$12,614
baseline
▲ 0.50% · 4.625%
HK$13,279
+HK$665/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,228/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$13,831
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,261
−HK$437/mo
Today · 4.125%
HK$14,698
baseline
▲ 0.50% · 4.625%
HK$15,592
+HK$894/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,396/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$15,387
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,799
−HK$419/mo
Today · 4.125%
HK$16,218
baseline
▲ 0.50% · 4.625%
HK$17,073
+HK$855/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,436/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).