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$7,679
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,918
−HK$243/mo
Today · 4.125%
HK$8,161
baseline
▲ 0.50% · 4.625%
HK$8,657
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,322/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$8,543
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,772
−HK$232/mo
Today · 4.125%
HK$9,004
baseline
▲ 0.50% · 4.625%
HK$9,479
+HK$475/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$18,008/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$9,215
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,502
−HK$291/mo
Today · 4.125%
HK$9,793
baseline
▲ 0.50% · 4.625%
HK$10,389
+HK$596/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,586/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$10,252
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,526
−HK$279/mo
Today · 4.125%
HK$10,805
baseline
▲ 0.50% · 4.625%
HK$11,375
+HK$570/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,610/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$10,751
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,085
−HK$340/mo
Today · 4.125%
HK$11,425
baseline
▲ 0.50% · 4.625%
HK$12,120
+HK$695/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,850/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$11,960
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,281
−HK$325/mo
Today · 4.125%
HK$12,606
baseline
▲ 0.50% · 4.625%
HK$13,271
+HK$665/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,212/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$13,822
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,252
−HK$437/mo
Today · 4.125%
HK$14,689
baseline
▲ 0.50% · 4.625%
HK$15,583
+HK$894/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,378/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$15,377
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,790
−HK$418/mo
Today · 4.125%
HK$16,208
baseline
▲ 0.50% · 4.625%
HK$17,062
+HK$854/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,416/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).