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$7,676
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,914
−HK$243/mo
Today · 4.125%
HK$8,157
baseline
▲ 0.50% · 4.625%
HK$8,653
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,314/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$8,539
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,768
−HK$232/mo
Today · 4.125%
HK$9,000
baseline
▲ 0.50% · 4.625%
HK$9,475
+HK$475/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$18,000/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$9,211
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,497
−HK$291/mo
Today · 4.125%
HK$9,788
baseline
▲ 0.50% · 4.625%
HK$10,384
+HK$596/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,576/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$10,247
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,522
−HK$279/mo
Today · 4.125%
HK$10,801
baseline
▲ 0.50% · 4.625%
HK$11,370
+HK$569/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,602/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$10,746
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,080
−HK$340/mo
Today · 4.125%
HK$11,420
baseline
▲ 0.50% · 4.625%
HK$12,115
+HK$695/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,840/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$11,955
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,275
−HK$326/mo
Today · 4.125%
HK$12,601
baseline
▲ 0.50% · 4.625%
HK$13,265
+HK$664/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,202/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$13,816
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,246
−HK$437/mo
Today · 4.125%
HK$14,683
baseline
▲ 0.50% · 4.625%
HK$15,576
+HK$893/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,366/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$15,370
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,783
−HK$418/mo
Today · 4.125%
HK$16,201
baseline
▲ 0.50% · 4.625%
HK$17,055
+HK$854/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,402/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).