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$479/mo
▼ 0.25% · 3.875%
HK$7,880
−HK$241/mo
Today · 4.125%
HK$8,121
baseline
▲ 0.50% · 4.625%
HK$8,615
+HK$494/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,242/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$8,501
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,729
−HK$232/mo
Today · 4.125%
HK$8,961
baseline
▲ 0.50% · 4.625%
HK$9,433
+HK$472/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$9,170
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,455
−HK$290/mo
Today · 4.125%
HK$9,745
baseline
▲ 0.50% · 4.625%
HK$10,338
+HK$593/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,490/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$551/mo
▼ 0.25% · 3.875%
HK$10,475
−HK$278/mo
Today · 4.125%
HK$10,753
baseline
▲ 0.50% · 4.625%
HK$11,320
+HK$567/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,506/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$670/mo
▼ 0.25% · 3.875%
HK$11,031
−HK$338/mo
Today · 4.125%
HK$11,369
baseline
▲ 0.50% · 4.625%
HK$12,061
+HK$692/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,738/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$11,902
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,221
−HK$324/mo
Today · 4.125%
HK$12,545
baseline
▲ 0.50% · 4.625%
HK$13,206
+HK$661/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,090/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$13,755
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,183
−HK$435/mo
Today · 4.125%
HK$14,618
baseline
▲ 0.50% · 4.625%
HK$15,507
+HK$889/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$29,236/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$15,303
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,713
−HK$416/mo
Today · 4.125%
HK$16,129
baseline
▲ 0.50% · 4.625%
HK$16,980
+HK$851/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$32,258/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).