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$7,669
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,907
−HK$243/mo
Today · 4.125%
HK$8,150
baseline
▲ 0.50% · 4.625%
HK$8,645
+HK$495/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,300/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$8,531
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,760
−HK$232/mo
Today · 4.125%
HK$8,992
baseline
▲ 0.50% · 4.625%
HK$9,466
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,984/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$9,202
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,489
−HK$290/mo
Today · 4.125%
HK$9,779
baseline
▲ 0.50% · 4.625%
HK$10,375
+HK$596/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,558/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$10,238
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,512
−HK$279/mo
Today · 4.125%
HK$10,791
baseline
▲ 0.50% · 4.625%
HK$11,359
+HK$568/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,582/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$10,736
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,070
−HK$339/mo
Today · 4.125%
HK$11,409
baseline
▲ 0.50% · 4.625%
HK$12,104
+HK$695/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,818/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$11,944
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,264
−HK$325/mo
Today · 4.125%
HK$12,589
baseline
▲ 0.50% · 4.625%
HK$13,253
+HK$664/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,178/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$13,804
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,233
−HK$436/mo
Today · 4.125%
HK$14,669
baseline
▲ 0.50% · 4.625%
HK$15,562
+HK$893/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$29,338/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$15,356
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,768
−HK$418/mo
Today · 4.125%
HK$16,186
baseline
▲ 0.50% · 4.625%
HK$17,039
+HK$853/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$32,372/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).