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$7,664
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,902
−HK$242/mo
Today · 4.125%
HK$8,144
baseline
▲ 0.50% · 4.625%
HK$8,640
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,288/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$8,526
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,754
−HK$232/mo
Today · 4.125%
HK$8,986
baseline
▲ 0.50% · 4.625%
HK$9,460
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,972/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$9,196
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,482
−HK$291/mo
Today · 4.125%
HK$9,773
baseline
▲ 0.50% · 4.625%
HK$10,368
+HK$595/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$19,546/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$10,231
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,505
−HK$279/mo
Today · 4.125%
HK$10,784
baseline
▲ 0.50% · 4.625%
HK$11,352
+HK$568/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$21,568/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$10,729
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,063
−HK$339/mo
Today · 4.125%
HK$11,402
baseline
▲ 0.50% · 4.625%
HK$12,096
+HK$694/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,804/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$11,936
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,256
−HK$325/mo
Today · 4.125%
HK$12,581
baseline
▲ 0.50% · 4.625%
HK$13,244
+HK$663/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,162/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$13,794
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,224
−HK$435/mo
Today · 4.125%
HK$14,659
baseline
▲ 0.50% · 4.625%
HK$15,551
+HK$892/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$29,318/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$15,346
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,758
−HK$417/mo
Today · 4.125%
HK$16,175
baseline
▲ 0.50% · 4.625%
HK$17,028
+HK$853/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$32,350/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).