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$7,683
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,922
−HK$243/mo
Today · 4.125%
HK$8,165
baseline
▲ 0.50% · 4.625%
HK$8,662
+HK$497/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,330/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$8,548
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,777
−HK$232/mo
Today · 4.125%
HK$9,009
baseline
▲ 0.50% · 4.625%
HK$9,484
+HK$475/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$18,018/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$9,220
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,507
−HK$291/mo
Today · 4.125%
HK$9,798
baseline
▲ 0.50% · 4.625%
HK$10,394
+HK$596/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,596/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$10,257
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,532
−HK$279/mo
Today · 4.125%
HK$10,811
baseline
▲ 0.50% · 4.625%
HK$11,381
+HK$570/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,622/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$10,757
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,091
−HK$340/mo
Today · 4.125%
HK$11,431
baseline
▲ 0.50% · 4.625%
HK$12,127
+HK$696/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,862/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$11,967
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,287
−HK$326/mo
Today · 4.125%
HK$12,613
baseline
▲ 0.50% · 4.625%
HK$13,278
+HK$665/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,226/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$13,830
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,260
−HK$437/mo
Today · 4.125%
HK$14,697
baseline
▲ 0.50% · 4.625%
HK$15,591
+HK$894/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,394/mo (50% DSR)
Upfront cash ≈ HK$337K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,386
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,798
−HK$419/mo
Today · 4.125%
HK$16,217
baseline
▲ 0.50% · 4.625%
HK$17,072
+HK$855/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,434/mo (50% DSR)
Upfront cash ≈ HK$337K (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).