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$7,678
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,917
−HK$243/mo
Today · 4.125%
HK$8,160
baseline
▲ 0.50% · 4.625%
HK$8,656
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,320/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$8,542
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,771
−HK$233/mo
Today · 4.125%
HK$9,004
baseline
▲ 0.50% · 4.625%
HK$9,478
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$18,008/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$9,214
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,501
−HK$291/mo
Today · 4.125%
HK$9,792
baseline
▲ 0.50% · 4.625%
HK$10,388
+HK$596/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,584/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$10,251
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,526
−HK$278/mo
Today · 4.125%
HK$10,804
baseline
▲ 0.50% · 4.625%
HK$11,374
+HK$570/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,608/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$10,750
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,084
−HK$340/mo
Today · 4.125%
HK$11,424
baseline
▲ 0.50% · 4.625%
HK$12,119
+HK$695/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,848/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$11,959
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,280
−HK$325/mo
Today · 4.125%
HK$12,605
baseline
▲ 0.50% · 4.625%
HK$13,270
+HK$665/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,210/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$13,821
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,251
−HK$437/mo
Today · 4.125%
HK$14,688
baseline
▲ 0.50% · 4.625%
HK$15,582
+HK$894/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,376/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$15,376
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,788
−HK$419/mo
Today · 4.125%
HK$16,207
baseline
▲ 0.50% · 4.625%
HK$17,061
+HK$854/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,414/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).