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$7,662
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,900
−HK$242/mo
Today · 4.125%
HK$8,142
baseline
▲ 0.50% · 4.625%
HK$8,638
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,284/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$8,524
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,752
−HK$232/mo
Today · 4.125%
HK$8,984
baseline
▲ 0.50% · 4.625%
HK$9,458
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,968/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$9,194
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,480
−HK$291/mo
Today · 4.125%
HK$9,771
baseline
▲ 0.50% · 4.625%
HK$10,365
+HK$594/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$19,542/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$10,228
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,503
−HK$278/mo
Today · 4.125%
HK$10,781
baseline
▲ 0.50% · 4.625%
HK$11,349
+HK$568/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$21,562/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$10,726
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,060
−HK$339/mo
Today · 4.125%
HK$11,399
baseline
▲ 0.50% · 4.625%
HK$12,093
+HK$694/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,798/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$11,933
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,253
−HK$325/mo
Today · 4.125%
HK$12,578
baseline
▲ 0.50% · 4.625%
HK$13,241
+HK$663/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,156/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$13,791
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,220
−HK$436/mo
Today · 4.125%
HK$14,656
baseline
▲ 0.50% · 4.625%
HK$15,548
+HK$892/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$29,312/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$15,342
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,754
−HK$417/mo
Today · 4.125%
HK$16,171
baseline
▲ 0.50% · 4.625%
HK$17,024
+HK$853/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$32,342/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).