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$7,647
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,885
−HK$242/mo
Today · 4.125%
HK$8,127
baseline
▲ 0.50% · 4.625%
HK$8,621
+HK$494/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,254/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$8,507
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,736
−HK$231/mo
Today · 4.125%
HK$8,967
baseline
▲ 0.50% · 4.625%
HK$9,440
+HK$473/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,934/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$9,177
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,462
−HK$290/mo
Today · 4.125%
HK$9,752
baseline
▲ 0.50% · 4.625%
HK$10,345
+HK$593/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,504/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$10,209
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,483
−HK$277/mo
Today · 4.125%
HK$10,760
baseline
▲ 0.50% · 4.625%
HK$11,328
+HK$568/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,520/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$10,706
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,039
−HK$338/mo
Today · 4.125%
HK$11,377
baseline
▲ 0.50% · 4.625%
HK$12,070
+HK$693/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,754/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$11,910
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,230
−HK$324/mo
Today · 4.125%
HK$12,554
baseline
▲ 0.50% · 4.625%
HK$13,216
+HK$662/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,108/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$13,765
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,193
−HK$435/mo
Today · 4.125%
HK$14,628
baseline
▲ 0.50% · 4.625%
HK$15,518
+HK$890/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$29,256/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$15,313
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,724
−HK$417/mo
Today · 4.125%
HK$16,141
baseline
▲ 0.50% · 4.625%
HK$16,991
+HK$850/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$32,282/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).