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$7,665
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,903
−HK$242/mo
Today · 4.125%
HK$8,145
baseline
▲ 0.50% · 4.625%
HK$8,641
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,290/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$8,527
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,756
−HK$232/mo
Today · 4.125%
HK$8,988
baseline
▲ 0.50% · 4.625%
HK$9,461
+HK$473/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,976/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$9,198
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,484
−HK$291/mo
Today · 4.125%
HK$9,775
baseline
▲ 0.50% · 4.625%
HK$10,369
+HK$594/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$19,550/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$10,232
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,507
−HK$278/mo
Today · 4.125%
HK$10,785
baseline
▲ 0.50% · 4.625%
HK$11,354
+HK$569/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$21,570/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$10,731
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,065
−HK$339/mo
Today · 4.125%
HK$11,404
baseline
▲ 0.50% · 4.625%
HK$12,098
+HK$694/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,808/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$11,938
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,258
−HK$325/mo
Today · 4.125%
HK$12,583
baseline
▲ 0.50% · 4.625%
HK$13,246
+HK$663/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,166/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$13,797
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,226
−HK$436/mo
Today · 4.125%
HK$14,662
baseline
▲ 0.50% · 4.625%
HK$15,554
+HK$892/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$29,324/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$15,349
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,760
−HK$418/mo
Today · 4.125%
HK$16,178
baseline
▲ 0.50% · 4.625%
HK$17,031
+HK$853/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$32,356/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).