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$7,670
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,909
−HK$242/mo
Today · 4.125%
HK$8,151
baseline
▲ 0.50% · 4.625%
HK$8,647
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,302/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$8,533
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,762
−HK$232/mo
Today · 4.125%
HK$8,994
baseline
▲ 0.50% · 4.625%
HK$9,468
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,988/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$553/mo
▼ 0.25% · 3.875%
HK$10,515
−HK$278/mo
Today · 4.125%
HK$10,793
baseline
▲ 0.50% · 4.625%
HK$11,362
+HK$569/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,586/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$12,106
+HK$694/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$645/mo
▼ 0.25% · 3.875%
HK$12,267
−HK$325/mo
Today · 4.125%
HK$12,592
baseline
▲ 0.50% · 4.625%
HK$13,256
+HK$664/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,184/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$14,236
−HK$437/mo
Today · 4.125%
HK$14,673
baseline
▲ 0.50% · 4.625%
HK$15,565
+HK$892/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$15,360
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,772
−HK$418/mo
Today · 4.125%
HK$16,190
baseline
▲ 0.50% · 4.625%
HK$17,043
+HK$853/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).