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$7,676
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,915
−HK$243/mo
Today · 4.125%
HK$8,158
baseline
▲ 0.50% · 4.625%
HK$8,654
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,316/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$8,540
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,769
−HK$232/mo
Today · 4.125%
HK$9,001
baseline
▲ 0.50% · 4.625%
HK$9,476
+HK$475/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$18,002/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$9,212
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,498
−HK$291/mo
Today · 4.125%
HK$9,789
baseline
▲ 0.50% · 4.625%
HK$10,385
+HK$596/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,578/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$10,248
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,523
−HK$279/mo
Today · 4.125%
HK$10,802
baseline
▲ 0.50% · 4.625%
HK$11,371
+HK$569/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,604/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$10,747
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,081
−HK$340/mo
Today · 4.125%
HK$11,421
baseline
▲ 0.50% · 4.625%
HK$12,116
+HK$695/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,842/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$11,956
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,276
−HK$326/mo
Today · 4.125%
HK$12,602
baseline
▲ 0.50% · 4.625%
HK$13,266
+HK$664/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,204/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$13,817
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,247
−HK$437/mo
Today · 4.125%
HK$14,684
baseline
▲ 0.50% · 4.625%
HK$15,577
+HK$893/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,368/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$15,372
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,784
−HK$418/mo
Today · 4.125%
HK$16,202
baseline
▲ 0.50% · 4.625%
HK$17,056
+HK$854/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,404/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).