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$7,677
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,916
−HK$243/mo
Today · 4.125%
HK$8,159
baseline
▲ 0.50% · 4.625%
HK$8,655
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,318/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$8,541
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,770
−HK$232/mo
Today · 4.125%
HK$9,002
baseline
▲ 0.50% · 4.625%
HK$9,477
+HK$475/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$18,004/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$9,213
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,499
−HK$291/mo
Today · 4.125%
HK$9,790
baseline
▲ 0.50% · 4.625%
HK$10,386
+HK$596/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,580/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$10,249
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,524
−HK$279/mo
Today · 4.125%
HK$10,803
baseline
▲ 0.50% · 4.625%
HK$11,372
+HK$569/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,606/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$10,748
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,082
−HK$340/mo
Today · 4.125%
HK$11,422
baseline
▲ 0.50% · 4.625%
HK$12,117
+HK$695/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,844/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$11,957
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,278
−HK$325/mo
Today · 4.125%
HK$12,603
baseline
▲ 0.50% · 4.625%
HK$13,267
+HK$664/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,206/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$13,819
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,249
−HK$436/mo
Today · 4.125%
HK$14,685
baseline
▲ 0.50% · 4.625%
HK$15,579
+HK$894/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,370/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$15,373
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,786
−HK$418/mo
Today · 4.125%
HK$16,204
baseline
▲ 0.50% · 4.625%
HK$17,058
+HK$854/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,408/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).