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$7,664
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,903
−HK$242/mo
Today · 4.125%
HK$8,145
baseline
▲ 0.50% · 4.625%
HK$8,640
+HK$495/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,290/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$8,526
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,755
−HK$232/mo
Today · 4.125%
HK$8,987
baseline
▲ 0.50% · 4.625%
HK$9,461
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,974/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$9,197
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,483
−HK$291/mo
Today · 4.125%
HK$9,774
baseline
▲ 0.50% · 4.625%
HK$10,369
+HK$595/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$19,548/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$10,232
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,506
−HK$278/mo
Today · 4.125%
HK$10,784
baseline
▲ 0.50% · 4.625%
HK$11,353
+HK$569/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$21,568/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$10,730
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,064
−HK$339/mo
Today · 4.125%
HK$11,403
baseline
▲ 0.50% · 4.625%
HK$12,097
+HK$694/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,806/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$11,937
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,257
−HK$325/mo
Today · 4.125%
HK$12,582
baseline
▲ 0.50% · 4.625%
HK$13,245
+HK$663/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,164/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$13,796
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,225
−HK$436/mo
Today · 4.125%
HK$14,661
baseline
▲ 0.50% · 4.625%
HK$15,553
+HK$892/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$29,322/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$15,347
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,759
−HK$418/mo
Today · 4.125%
HK$16,177
baseline
▲ 0.50% · 4.625%
HK$17,029
+HK$852/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$32,354/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).