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$7,682
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,921
−HK$243/mo
Today · 4.125%
HK$8,164
baseline
▲ 0.50% · 4.625%
HK$8,660
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,328/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$8,546
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,775
−HK$233/mo
Today · 4.125%
HK$9,008
baseline
▲ 0.50% · 4.625%
HK$9,482
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$18,016/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$9,218
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,505
−HK$291/mo
Today · 4.125%
HK$9,796
baseline
▲ 0.50% · 4.625%
HK$10,392
+HK$596/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,592/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$10,255
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,530
−HK$279/mo
Today · 4.125%
HK$10,809
baseline
▲ 0.50% · 4.625%
HK$11,379
+HK$570/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,618/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$10,755
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,089
−HK$340/mo
Today · 4.125%
HK$11,429
baseline
▲ 0.50% · 4.625%
HK$12,124
+HK$695/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,858/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$11,964
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,285
−HK$326/mo
Today · 4.125%
HK$12,611
baseline
▲ 0.50% · 4.625%
HK$13,275
+HK$664/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,222/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$13,827
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,257
−HK$437/mo
Today · 4.125%
HK$14,694
baseline
▲ 0.50% · 4.625%
HK$15,589
+HK$895/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,388/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$15,383
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,795
−HK$419/mo
Today · 4.125%
HK$16,214
baseline
▲ 0.50% · 4.625%
HK$17,068
+HK$854/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,428/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).