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$7,663
−HK$481/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$8,525
−HK$461/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$10,367
+HK$594/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$552/mo
▼ 0.25% · 3.875%
HK$10,505
−HK$278/mo
Today · 4.125%
HK$10,783
baseline
▲ 0.50% · 4.625%
HK$11,352
+HK$569/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$21,566/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$11,062
−HK$340/mo
Today · 4.125%
HK$11,402
baseline
▲ 0.50% · 4.625%
HK$12,095
+HK$693/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$644/mo
▼ 0.25% · 3.875%
HK$12,256
−HK$324/mo
Today · 4.125%
HK$12,580
baseline
▲ 0.50% · 4.625%
HK$13,244
+HK$664/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,160/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$14,223
−HK$436/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$15,757
−HK$418/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).