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$7,642
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,880
−HK$242/mo
Today · 4.125%
HK$8,122
baseline
▲ 0.50% · 4.625%
HK$8,616
+HK$494/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,244/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$8,502
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,730
−HK$231/mo
Today · 4.125%
HK$8,961
baseline
▲ 0.50% · 4.625%
HK$9,434
+HK$473/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,922/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$9,171
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,456
−HK$290/mo
Today · 4.125%
HK$9,746
baseline
▲ 0.50% · 4.625%
HK$10,339
+HK$593/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,492/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,202
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,476
−HK$278/mo
Today · 4.125%
HK$10,754
baseline
▲ 0.50% · 4.625%
HK$11,320
+HK$566/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,508/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,699
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,032
−HK$338/mo
Today · 4.125%
HK$11,370
baseline
▲ 0.50% · 4.625%
HK$12,062
+HK$692/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,740/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$11,903
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,222
−HK$324/mo
Today · 4.125%
HK$12,546
baseline
▲ 0.50% · 4.625%
HK$13,207
+HK$661/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,092/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$13,756
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,184
−HK$435/mo
Today · 4.125%
HK$14,619
baseline
▲ 0.50% · 4.625%
HK$15,508
+HK$889/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$29,238/mo (50% DSR)
Upfront cash ≈ HK$335K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,304
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,714
−HK$416/mo
Today · 4.125%
HK$16,130
baseline
▲ 0.50% · 4.625%
HK$16,981
+HK$851/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$32,260/mo (50% DSR)
Upfront cash ≈ HK$335K (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).