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$481/mo
▼ 0.25% · 3.875%
HK$7,917
−HK$242/mo
Today · 4.125%
HK$8,159
baseline
▲ 0.50% · 4.625%
HK$8,656
+HK$497/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$462/mo
▼ 0.25% · 3.875%
HK$8,771
−HK$232/mo
Today · 4.125%
HK$9,003
baseline
▲ 0.50% · 4.625%
HK$9,477
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$18,006/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$578/mo
▼ 0.25% · 3.875%
HK$9,500
−HK$291/mo
Today · 4.125%
HK$9,791
baseline
▲ 0.50% · 4.625%
HK$10,387
+HK$596/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,582/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$10,250
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,525
−HK$279/mo
Today · 4.125%
HK$10,804
baseline
▲ 0.50% · 4.625%
HK$11,373
+HK$569/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$10,749
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,083
−HK$340/mo
Today · 4.125%
HK$11,423
baseline
▲ 0.50% · 4.625%
HK$12,118
+HK$695/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,846/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$11,958
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,279
−HK$325/mo
Today · 4.125%
HK$12,604
baseline
▲ 0.50% · 4.625%
HK$13,268
+HK$664/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,208/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$13,820
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,250
−HK$437/mo
Today · 4.125%
HK$14,687
baseline
▲ 0.50% · 4.625%
HK$15,580
+HK$893/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,374/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$15,375
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,787
−HK$418/mo
Today · 4.125%
HK$16,205
baseline
▲ 0.50% · 4.625%
HK$17,059
+HK$854/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,410/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).