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$7,668
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,906
−HK$243/mo
Today · 4.125%
HK$8,149
baseline
▲ 0.50% · 4.625%
HK$8,644
+HK$495/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,298/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$8,530
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,759
−HK$232/mo
Today · 4.125%
HK$8,991
baseline
▲ 0.50% · 4.625%
HK$9,465
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,982/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$9,201
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,488
−HK$290/mo
Today · 4.125%
HK$9,778
baseline
▲ 0.50% · 4.625%
HK$10,373
+HK$595/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,556/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$10,236
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,511
−HK$278/mo
Today · 4.125%
HK$10,789
baseline
▲ 0.50% · 4.625%
HK$11,358
+HK$569/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,578/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$10,735
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,069
−HK$339/mo
Today · 4.125%
HK$11,408
baseline
▲ 0.50% · 4.625%
HK$12,102
+HK$694/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,816/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$11,943
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,263
−HK$325/mo
Today · 4.125%
HK$12,588
baseline
▲ 0.50% · 4.625%
HK$13,251
+HK$663/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,176/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$13,802
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,231
−HK$437/mo
Today · 4.125%
HK$14,668
baseline
▲ 0.50% · 4.625%
HK$15,560
+HK$892/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$29,336/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$15,355
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,766
−HK$418/mo
Today · 4.125%
HK$16,184
baseline
▲ 0.50% · 4.625%
HK$17,037
+HK$853/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$32,368/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).