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$7,679
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,918
−HK$242/mo
Today · 4.125%
HK$8,160
baseline
▲ 0.50% · 4.625%
HK$8,657
+HK$497/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$8,543
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,772
−HK$232/mo
Today · 4.125%
HK$9,004
baseline
▲ 0.50% · 4.625%
HK$9,479
+HK$475/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$9,215
−HK$577/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$554/mo
▼ 0.25% · 3.875%
HK$10,526
−HK$279/mo
Today · 4.125%
HK$10,805
baseline
▲ 0.50% · 4.625%
HK$11,374
+HK$569/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,610/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$11,085
−HK$339/mo
Today · 4.125%
HK$11,424
baseline
▲ 0.50% · 4.625%
HK$12,120
+HK$696/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$11,960
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,280
−HK$326/mo
Today · 4.125%
HK$12,606
baseline
▲ 0.50% · 4.625%
HK$13,270
+HK$664/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,212/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$13,822
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,252
−HK$437/mo
Today · 4.125%
HK$14,689
baseline
▲ 0.50% · 4.625%
HK$15,582
+HK$893/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,378/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$15,377
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,789
−HK$418/mo
Today · 4.125%
HK$16,207
baseline
▲ 0.50% · 4.625%
HK$17,062
+HK$855/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).