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$7,670
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,908
−HK$243/mo
Today · 4.125%
HK$8,151
baseline
▲ 0.50% · 4.625%
HK$8,647
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,302/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$8,532
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,761
−HK$232/mo
Today · 4.125%
HK$8,993
baseline
▲ 0.50% · 4.625%
HK$9,468
+HK$475/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,986/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$9,204
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,490
−HK$291/mo
Today · 4.125%
HK$9,781
baseline
▲ 0.50% · 4.625%
HK$10,376
+HK$595/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,562/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$10,239
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,514
−HK$278/mo
Today · 4.125%
HK$10,792
baseline
▲ 0.50% · 4.625%
HK$11,361
+HK$569/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,584/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$10,738
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,072
−HK$339/mo
Today · 4.125%
HK$11,411
baseline
▲ 0.50% · 4.625%
HK$12,105
+HK$694/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,822/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$11,945
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,266
−HK$325/mo
Today · 4.125%
HK$12,591
baseline
▲ 0.50% · 4.625%
HK$13,255
+HK$664/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,182/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$13,806
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,235
−HK$436/mo
Today · 4.125%
HK$14,671
baseline
▲ 0.50% · 4.625%
HK$15,564
+HK$893/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$29,342/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$15,358
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,770
−HK$418/mo
Today · 4.125%
HK$16,188
baseline
▲ 0.50% · 4.625%
HK$17,042
+HK$854/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$32,376/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).