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$7,908
−HK$242/mo
Today · 4.125%
HK$8,150
baseline
▲ 0.50% · 4.625%
HK$8,646
+HK$496/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$8,532
−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$9,467
+HK$474/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$9,203
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,489
−HK$291/mo
Today · 4.125%
HK$9,780
baseline
▲ 0.50% · 4.625%
HK$10,375
+HK$595/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,560/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$554/mo
▼ 0.25% · 3.875%
HK$10,513
−HK$279/mo
Today · 4.125%
HK$10,792
baseline
▲ 0.50% · 4.625%
HK$11,360
+HK$568/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$10,737
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,071
−HK$339/mo
Today · 4.125%
HK$11,410
baseline
▲ 0.50% · 4.625%
HK$12,105
+HK$695/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,820/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$645/mo
▼ 0.25% · 3.875%
HK$12,265
−HK$325/mo
Today · 4.125%
HK$12,590
baseline
▲ 0.50% · 4.625%
HK$13,254
+HK$664/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,180/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$13,805
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,234
−HK$436/mo
Today · 4.125%
HK$14,670
baseline
▲ 0.50% · 4.625%
HK$15,563
+HK$893/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$29,340/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$829/mo
▼ 0.25% · 3.875%
HK$15,769
−HK$418/mo
Today · 4.125%
HK$16,187
baseline
▲ 0.50% · 4.625%
HK$17,041
+HK$854/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$32,374/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).