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$7,645
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,883
−HK$242/mo
Today · 4.125%
HK$8,125
baseline
▲ 0.50% · 4.625%
HK$8,619
+HK$494/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,250/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$8,505
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,734
−HK$231/mo
Today · 4.125%
HK$8,965
baseline
▲ 0.50% · 4.625%
HK$9,437
+HK$472/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,930/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$9,174
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,460
−HK$290/mo
Today · 4.125%
HK$9,750
baseline
▲ 0.50% · 4.625%
HK$10,343
+HK$593/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,500/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$10,206
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,480
−HK$278/mo
Today · 4.125%
HK$10,758
baseline
▲ 0.50% · 4.625%
HK$11,325
+HK$567/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,516/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$10,704
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,036
−HK$339/mo
Today · 4.125%
HK$11,375
baseline
▲ 0.50% · 4.625%
HK$12,067
+HK$692/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,750/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$11,908
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,227
−HK$324/mo
Today · 4.125%
HK$12,551
baseline
▲ 0.50% · 4.625%
HK$13,212
+HK$661/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,102/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$13,762
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,190
−HK$435/mo
Today · 4.125%
HK$14,625
baseline
▲ 0.50% · 4.625%
HK$15,515
+HK$890/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$29,250/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$15,310
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,720
−HK$417/mo
Today · 4.125%
HK$16,137
baseline
▲ 0.50% · 4.625%
HK$16,987
+HK$850/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$32,274/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).