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$7,657
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,895
−HK$242/mo
Today · 4.125%
HK$8,137
baseline
▲ 0.50% · 4.625%
HK$8,632
+HK$495/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,274/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$8,518
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,747
−HK$232/mo
Today · 4.125%
HK$8,979
baseline
▲ 0.50% · 4.625%
HK$9,452
+HK$473/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,958/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$9,188
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,474
−HK$291/mo
Today · 4.125%
HK$9,765
baseline
▲ 0.50% · 4.625%
HK$10,359
+HK$594/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,530/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$10,222
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,496
−HK$278/mo
Today · 4.125%
HK$10,774
baseline
▲ 0.50% · 4.625%
HK$11,342
+HK$568/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,548/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$10,720
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,053
−HK$339/mo
Today · 4.125%
HK$11,392
baseline
▲ 0.50% · 4.625%
HK$12,085
+HK$693/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,784/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$11,926
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,246
−HK$324/mo
Today · 4.125%
HK$12,570
baseline
▲ 0.50% · 4.625%
HK$13,233
+HK$663/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,140/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$13,783
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,211
−HK$436/mo
Today · 4.125%
HK$14,647
baseline
▲ 0.50% · 4.625%
HK$15,538
+HK$891/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$29,294/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$15,333
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,744
−HK$417/mo
Today · 4.125%
HK$16,161
baseline
▲ 0.50% · 4.625%
HK$17,013
+HK$852/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$32,322/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).