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$7,653
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,891
−HK$242/mo
Today · 4.125%
HK$8,133
baseline
▲ 0.50% · 4.625%
HK$8,628
+HK$495/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,266/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$8,514
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,742
−HK$232/mo
Today · 4.125%
HK$8,974
baseline
▲ 0.50% · 4.625%
HK$9,447
+HK$473/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,948/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$9,184
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,469
−HK$291/mo
Today · 4.125%
HK$9,760
baseline
▲ 0.50% · 4.625%
HK$10,354
+HK$594/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,520/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$10,217
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,491
−HK$278/mo
Today · 4.125%
HK$10,769
baseline
▲ 0.50% · 4.625%
HK$11,336
+HK$567/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,538/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$10,714
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,048
−HK$338/mo
Today · 4.125%
HK$11,386
baseline
▲ 0.50% · 4.625%
HK$12,079
+HK$693/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,772/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$11,920
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,239
−HK$325/mo
Today · 4.125%
HK$12,564
baseline
▲ 0.50% · 4.625%
HK$13,226
+HK$662/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,128/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$13,776
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,204
−HK$436/mo
Today · 4.125%
HK$14,640
baseline
▲ 0.50% · 4.625%
HK$15,530
+HK$890/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$29,280/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$15,325
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,736
−HK$417/mo
Today · 4.125%
HK$16,153
baseline
▲ 0.50% · 4.625%
HK$17,005
+HK$852/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$32,306/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).