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$7,639
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,877
−HK$241/mo
Today · 4.125%
HK$8,118
baseline
▲ 0.50% · 4.625%
HK$8,612
+HK$494/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,236/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$8,498
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,726
−HK$232/mo
Today · 4.125%
HK$8,958
baseline
▲ 0.50% · 4.625%
HK$9,430
+HK$472/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,916/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$9,167
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,452
−HK$290/mo
Today · 4.125%
HK$9,742
baseline
▲ 0.50% · 4.625%
HK$10,335
+HK$593/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,484/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$10,198
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,472
−HK$277/mo
Today · 4.125%
HK$10,749
baseline
▲ 0.50% · 4.625%
HK$11,316
+HK$567/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,498/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$10,695
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,027
−HK$338/mo
Today · 4.125%
HK$11,365
baseline
▲ 0.50% · 4.625%
HK$12,057
+HK$692/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,730/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$11,898
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,217
−HK$324/mo
Today · 4.125%
HK$12,541
baseline
▲ 0.50% · 4.625%
HK$13,202
+HK$661/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,082/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$13,750
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,178
−HK$435/mo
Today · 4.125%
HK$14,613
baseline
▲ 0.50% · 4.625%
HK$15,502
+HK$889/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$29,226/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$15,297
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,707
−HK$417/mo
Today · 4.125%
HK$16,124
baseline
▲ 0.50% · 4.625%
HK$16,974
+HK$850/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$32,248/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).