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$7,672
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,911
−HK$243/mo
Today · 4.125%
HK$8,154
baseline
▲ 0.50% · 4.625%
HK$8,650
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,308/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$8,535
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,764
−HK$233/mo
Today · 4.125%
HK$8,997
baseline
▲ 0.50% · 4.625%
HK$9,471
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,994/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$9,207
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,493
−HK$291/mo
Today · 4.125%
HK$9,784
baseline
▲ 0.50% · 4.625%
HK$10,380
+HK$596/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,568/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$10,243
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,517
−HK$279/mo
Today · 4.125%
HK$10,796
baseline
▲ 0.50% · 4.625%
HK$11,365
+HK$569/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,592/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$10,741
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,075
−HK$340/mo
Today · 4.125%
HK$11,415
baseline
▲ 0.50% · 4.625%
HK$12,110
+HK$695/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,830/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$11,950
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,270
−HK$325/mo
Today · 4.125%
HK$12,595
baseline
▲ 0.50% · 4.625%
HK$13,259
+HK$664/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,190/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$13,810
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,240
−HK$436/mo
Today · 4.125%
HK$14,676
baseline
▲ 0.50% · 4.625%
HK$15,569
+HK$893/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$29,352/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$15,364
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,776
−HK$418/mo
Today · 4.125%
HK$16,194
baseline
▲ 0.50% · 4.625%
HK$17,048
+HK$854/mo
Deposit HK$336K · loan HK$3.03M · min. income ≈ HK$32,388/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).