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$7,650
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,888
−HK$242/mo
Today · 4.125%
HK$8,130
baseline
▲ 0.50% · 4.625%
HK$8,625
+HK$495/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,260/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$8,511
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,739
−HK$232/mo
Today · 4.125%
HK$8,971
baseline
▲ 0.50% · 4.625%
HK$9,444
+HK$473/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,942/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$575/mo
▼ 0.25% · 3.875%
HK$9,466
−HK$290/mo
Today · 4.125%
HK$9,756
baseline
▲ 0.50% · 4.625%
HK$10,350
+HK$594/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,512/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$10,213
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,487
−HK$278/mo
Today · 4.125%
HK$10,765
baseline
▲ 0.50% · 4.625%
HK$11,332
+HK$567/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,530/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$10,711
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,044
−HK$338/mo
Today · 4.125%
HK$11,382
baseline
▲ 0.50% · 4.625%
HK$12,075
+HK$693/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,764/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$11,915
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,235
−HK$324/mo
Today · 4.125%
HK$12,559
baseline
▲ 0.50% · 4.625%
HK$13,221
+HK$662/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,118/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$13,771
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,199
−HK$435/mo
Today · 4.125%
HK$14,634
baseline
▲ 0.50% · 4.625%
HK$15,525
+HK$891/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$29,268/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$15,320
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,731
−HK$417/mo
Today · 4.125%
HK$16,148
baseline
▲ 0.50% · 4.625%
HK$16,999
+HK$851/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$32,296/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).