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$7,656
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,894
−HK$242/mo
Today · 4.125%
HK$8,136
baseline
▲ 0.50% · 4.625%
HK$8,631
+HK$495/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,272/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$8,517
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,746
−HK$231/mo
Today · 4.125%
HK$8,977
baseline
▲ 0.50% · 4.625%
HK$9,451
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,954/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$9,187
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,473
−HK$290/mo
Today · 4.125%
HK$9,763
baseline
▲ 0.50% · 4.625%
HK$10,357
+HK$594/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,526/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$10,221
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,495
−HK$278/mo
Today · 4.125%
HK$10,773
baseline
▲ 0.50% · 4.625%
HK$11,341
+HK$568/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,546/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$10,718
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,052
−HK$339/mo
Today · 4.125%
HK$11,391
baseline
▲ 0.50% · 4.625%
HK$12,084
+HK$693/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,782/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$11,924
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,244
−HK$324/mo
Today · 4.125%
HK$12,568
baseline
▲ 0.50% · 4.625%
HK$13,231
+HK$663/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,136/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$13,781
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,209
−HK$436/mo
Today · 4.125%
HK$14,645
baseline
▲ 0.50% · 4.625%
HK$15,536
+HK$891/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$29,290/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$15,331
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,742
−HK$417/mo
Today · 4.125%
HK$16,159
baseline
▲ 0.50% · 4.625%
HK$17,011
+HK$852/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$32,318/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).