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$7,671
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,909
−HK$243/mo
Today · 4.125%
HK$8,152
baseline
▲ 0.50% · 4.625%
HK$8,648
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,304/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$8,534
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,763
−HK$232/mo
Today · 4.125%
HK$8,995
baseline
▲ 0.50% · 4.625%
HK$9,469
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,990/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$9,205
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,491
−HK$291/mo
Today · 4.125%
HK$9,782
baseline
▲ 0.50% · 4.625%
HK$10,377
+HK$595/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,564/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$10,240
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,515
−HK$279/mo
Today · 4.125%
HK$10,794
baseline
▲ 0.50% · 4.625%
HK$11,363
+HK$569/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,588/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$10,739
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,073
−HK$339/mo
Today · 4.125%
HK$11,412
baseline
▲ 0.50% · 4.625%
HK$12,107
+HK$695/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,824/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$11,947
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,268
−HK$325/mo
Today · 4.125%
HK$12,593
baseline
▲ 0.50% · 4.625%
HK$13,256
+HK$663/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,186/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$13,807
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,237
−HK$436/mo
Today · 4.125%
HK$14,673
baseline
▲ 0.50% · 4.625%
HK$15,566
+HK$893/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$29,346/mo (50% DSR)
Upfront cash ≈ HK$336K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,361
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,773
−HK$417/mo
Today · 4.125%
HK$16,190
baseline
▲ 0.50% · 4.625%
HK$17,044
+HK$854/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$32,380/mo (50% DSR)
Upfront cash ≈ HK$336K (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).