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$7,667
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,905
−HK$242/mo
Today · 4.125%
HK$8,147
baseline
▲ 0.50% · 4.625%
HK$8,643
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,294/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$8,529
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,758
−HK$232/mo
Today · 4.125%
HK$8,990
baseline
▲ 0.50% · 4.625%
HK$9,464
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,980/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$9,200
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,486
−HK$291/mo
Today · 4.125%
HK$9,777
baseline
▲ 0.50% · 4.625%
HK$10,372
+HK$595/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$19,554/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,235
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,509
−HK$279/mo
Today · 4.125%
HK$10,788
baseline
▲ 0.50% · 4.625%
HK$11,356
+HK$568/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$21,576/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,733
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,067
−HK$339/mo
Today · 4.125%
HK$11,406
baseline
▲ 0.50% · 4.625%
HK$12,100
+HK$694/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,812/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$11,941
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,261
−HK$325/mo
Today · 4.125%
HK$12,586
baseline
▲ 0.50% · 4.625%
HK$13,249
+HK$663/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,172/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$13,800
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,229
−HK$436/mo
Today · 4.125%
HK$14,665
baseline
▲ 0.50% · 4.625%
HK$15,557
+HK$892/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$29,330/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$15,352
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,764
−HK$418/mo
Today · 4.125%
HK$16,182
baseline
▲ 0.50% · 4.625%
HK$17,034
+HK$852/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$32,364/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).