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$7,673
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,912
−HK$242/mo
Today · 4.125%
HK$8,154
baseline
▲ 0.50% · 4.625%
HK$8,650
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,308/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$8,536
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,765
−HK$232/mo
Today · 4.125%
HK$8,997
baseline
▲ 0.50% · 4.625%
HK$9,472
+HK$475/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,994/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$577/mo
▼ 0.25% · 3.875%
HK$9,494
−HK$291/mo
Today · 4.125%
HK$9,785
baseline
▲ 0.50% · 4.625%
HK$10,380
+HK$595/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,570/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$10,243
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,518
−HK$279/mo
Today · 4.125%
HK$10,797
baseline
▲ 0.50% · 4.625%
HK$11,366
+HK$569/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,594/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$10,742
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,076
−HK$340/mo
Today · 4.125%
HK$11,416
baseline
▲ 0.50% · 4.625%
HK$12,111
+HK$695/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,832/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$11,951
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,271
−HK$325/mo
Today · 4.125%
HK$12,596
baseline
▲ 0.50% · 4.625%
HK$13,260
+HK$664/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,192/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$13,811
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,241
−HK$437/mo
Today · 4.125%
HK$14,678
baseline
▲ 0.50% · 4.625%
HK$15,571
+HK$893/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$29,356/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$15,365
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,777
−HK$418/mo
Today · 4.125%
HK$16,195
baseline
▲ 0.50% · 4.625%
HK$17,049
+HK$854/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$32,390/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).