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$7,660
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,898
−HK$242/mo
Today · 4.125%
HK$8,140
baseline
▲ 0.50% · 4.625%
HK$8,636
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,280/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$8,522
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,750
−HK$232/mo
Today · 4.125%
HK$8,982
baseline
▲ 0.50% · 4.625%
HK$9,455
+HK$473/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,964/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$9,192
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,478
−HK$290/mo
Today · 4.125%
HK$9,768
baseline
▲ 0.50% · 4.625%
HK$10,363
+HK$595/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$19,536/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$10,226
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,500
−HK$278/mo
Today · 4.125%
HK$10,778
baseline
▲ 0.50% · 4.625%
HK$11,346
+HK$568/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$21,556/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$10,724
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,057
−HK$339/mo
Today · 4.125%
HK$11,396
baseline
▲ 0.50% · 4.625%
HK$12,090
+HK$694/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,792/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$11,930
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,250
−HK$325/mo
Today · 4.125%
HK$12,575
baseline
▲ 0.50% · 4.625%
HK$13,238
+HK$663/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,150/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$13,788
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,217
−HK$435/mo
Today · 4.125%
HK$14,652
baseline
▲ 0.50% · 4.625%
HK$15,544
+HK$892/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$29,304/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$15,339
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,750
−HK$418/mo
Today · 4.125%
HK$16,168
baseline
▲ 0.50% · 4.625%
HK$17,020
+HK$852/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$32,336/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).