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$7,651
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,889
−HK$242/mo
Today · 4.125%
HK$8,131
baseline
▲ 0.50% · 4.625%
HK$8,626
+HK$495/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,262/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$8,512
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,740
−HK$232/mo
Today · 4.125%
HK$8,972
baseline
▲ 0.50% · 4.625%
HK$9,445
+HK$473/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,944/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$9,181
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,467
−HK$290/mo
Today · 4.125%
HK$9,757
baseline
▲ 0.50% · 4.625%
HK$10,351
+HK$594/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,514/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$10,214
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,488
−HK$278/mo
Today · 4.125%
HK$10,766
baseline
▲ 0.50% · 4.625%
HK$11,333
+HK$567/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,532/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$10,712
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,045
−HK$338/mo
Today · 4.125%
HK$11,383
baseline
▲ 0.50% · 4.625%
HK$12,076
+HK$693/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,766/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$11,917
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,236
−HK$324/mo
Today · 4.125%
HK$12,560
baseline
▲ 0.50% · 4.625%
HK$13,222
+HK$662/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,120/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$13,772
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,200
−HK$436/mo
Today · 4.125%
HK$14,636
baseline
▲ 0.50% · 4.625%
HK$15,526
+HK$890/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$29,272/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$15,321
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,732
−HK$417/mo
Today · 4.125%
HK$16,149
baseline
▲ 0.50% · 4.625%
HK$17,000
+HK$851/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$32,298/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).