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$7,680
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,919
−HK$243/mo
Today · 4.125%
HK$8,162
baseline
▲ 0.50% · 4.625%
HK$8,658
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,324/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$8,544
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,773
−HK$233/mo
Today · 4.125%
HK$9,006
baseline
▲ 0.50% · 4.625%
HK$9,481
+HK$475/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$18,012/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$9,216
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,503
−HK$291/mo
Today · 4.125%
HK$9,794
baseline
▲ 0.50% · 4.625%
HK$10,390
+HK$596/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,588/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$10,253
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,528
−HK$279/mo
Today · 4.125%
HK$10,807
baseline
▲ 0.50% · 4.625%
HK$11,377
+HK$570/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,614/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$10,752
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,087
−HK$340/mo
Today · 4.125%
HK$11,427
baseline
▲ 0.50% · 4.625%
HK$12,122
+HK$695/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,854/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$11,962
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,283
−HK$325/mo
Today · 4.125%
HK$12,608
baseline
▲ 0.50% · 4.625%
HK$13,273
+HK$665/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,216/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$13,824
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,254
−HK$437/mo
Today · 4.125%
HK$14,691
baseline
▲ 0.50% · 4.625%
HK$15,585
+HK$894/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,382/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$15,380
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,792
−HK$418/mo
Today · 4.125%
HK$16,210
baseline
▲ 0.50% · 4.625%
HK$17,065
+HK$855/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,420/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).