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$7,666
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,904
−HK$242/mo
Today · 4.125%
HK$8,146
baseline
▲ 0.50% · 4.625%
HK$8,642
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,292/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$8,528
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,757
−HK$232/mo
Today · 4.125%
HK$8,989
baseline
▲ 0.50% · 4.625%
HK$9,462
+HK$473/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,978/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$9,199
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,485
−HK$291/mo
Today · 4.125%
HK$9,776
baseline
▲ 0.50% · 4.625%
HK$10,370
+HK$594/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$19,552/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,233
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,508
−HK$278/mo
Today · 4.125%
HK$10,786
baseline
▲ 0.50% · 4.625%
HK$11,355
+HK$569/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$21,572/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,732
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,066
−HK$339/mo
Today · 4.125%
HK$11,405
baseline
▲ 0.50% · 4.625%
HK$12,099
+HK$694/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,810/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$11,939
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,259
−HK$325/mo
Today · 4.125%
HK$12,584
baseline
▲ 0.50% · 4.625%
HK$13,247
+HK$663/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,168/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$13,798
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,227
−HK$436/mo
Today · 4.125%
HK$14,663
baseline
▲ 0.50% · 4.625%
HK$15,556
+HK$893/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$29,326/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$15,350
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,762
−HK$417/mo
Today · 4.125%
HK$16,179
baseline
▲ 0.50% · 4.625%
HK$17,032
+HK$853/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$32,358/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).