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$7,675
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,914
−HK$242/mo
Today · 4.125%
HK$8,156
baseline
▲ 0.50% · 4.625%
HK$8,653
+HK$497/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,312/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$8,538
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,767
−HK$233/mo
Today · 4.125%
HK$9,000
baseline
▲ 0.50% · 4.625%
HK$9,474
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$18,000/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$9,210
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,496
−HK$292/mo
Today · 4.125%
HK$9,788
baseline
▲ 0.50% · 4.625%
HK$10,383
+HK$595/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,576/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$10,246
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,521
−HK$279/mo
Today · 4.125%
HK$10,800
baseline
▲ 0.50% · 4.625%
HK$11,369
+HK$569/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,600/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$10,745
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,079
−HK$340/mo
Today · 4.125%
HK$11,419
baseline
▲ 0.50% · 4.625%
HK$12,114
+HK$695/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,838/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$11,954
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,274
−HK$325/mo
Today · 4.125%
HK$12,599
baseline
▲ 0.50% · 4.625%
HK$13,264
+HK$665/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,198/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$13,815
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,245
−HK$436/mo
Today · 4.125%
HK$14,681
baseline
▲ 0.50% · 4.625%
HK$15,575
+HK$894/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,362/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$15,369
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,781
−HK$418/mo
Today · 4.125%
HK$16,199
baseline
▲ 0.50% · 4.625%
HK$17,053
+HK$854/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,398/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).