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$8,635
+HK$495/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$8,521
−HK$461/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$9,191
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,477
−HK$291/mo
Today · 4.125%
HK$9,768
baseline
▲ 0.50% · 4.625%
HK$10,362
+HK$594/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$10,225
−HK$553/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$10,723
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,057
−HK$339/mo
Today · 4.125%
HK$11,396
baseline
▲ 0.50% · 4.625%
HK$12,089
+HK$693/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$644/mo
▼ 0.25% · 3.875%
HK$12,250
−HK$324/mo
Today · 4.125%
HK$12,574
baseline
▲ 0.50% · 4.625%
HK$13,237
+HK$663/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,148/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$13,787
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,216
−HK$436/mo
Today · 4.125%
HK$14,652
baseline
▲ 0.50% · 4.625%
HK$15,543
+HK$891/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$15,338
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,749
−HK$418/mo
Today · 4.125%
HK$16,167
baseline
▲ 0.50% · 4.625%
HK$17,019
+HK$852/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$32,334/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).