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$7,677
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,916
−HK$242/mo
Today · 4.125%
HK$8,158
baseline
▲ 0.50% · 4.625%
HK$8,655
+HK$497/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,316/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$8,540
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,769
−HK$233/mo
Today · 4.125%
HK$9,002
baseline
▲ 0.50% · 4.625%
HK$9,476
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$18,004/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$9,212
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,499
−HK$291/mo
Today · 4.125%
HK$9,790
baseline
▲ 0.50% · 4.625%
HK$10,386
+HK$596/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,580/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$10,249
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,523
−HK$279/mo
Today · 4.125%
HK$10,802
baseline
▲ 0.50% · 4.625%
HK$11,372
+HK$570/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,604/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$10,748
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,082
−HK$340/mo
Today · 4.125%
HK$11,422
baseline
▲ 0.50% · 4.625%
HK$12,117
+HK$695/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,844/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$11,957
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,277
−HK$326/mo
Today · 4.125%
HK$12,603
baseline
▲ 0.50% · 4.625%
HK$13,267
+HK$664/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,206/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$13,818
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,248
−HK$437/mo
Today · 4.125%
HK$14,685
baseline
▲ 0.50% · 4.625%
HK$15,578
+HK$893/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,370/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$15,373
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,785
−HK$418/mo
Today · 4.125%
HK$16,203
baseline
▲ 0.50% · 4.625%
HK$17,057
+HK$854/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,406/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).