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$7,646
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,884
−HK$241/mo
Today · 4.125%
HK$8,125
baseline
▲ 0.50% · 4.625%
HK$8,620
+HK$495/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$8,506
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,734
−HK$231/mo
Today · 4.125%
HK$8,965
baseline
▲ 0.50% · 4.625%
HK$9,438
+HK$473/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$9,175
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,460
−HK$290/mo
Today · 4.125%
HK$9,750
baseline
▲ 0.50% · 4.625%
HK$10,344
+HK$594/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$10,207
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,481
−HK$278/mo
Today · 4.125%
HK$10,759
baseline
▲ 0.50% · 4.625%
HK$11,326
+HK$567/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,518/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$11,037
−HK$338/mo
Today · 4.125%
HK$11,375
baseline
▲ 0.50% · 4.625%
HK$12,068
+HK$693/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$644/mo
▼ 0.25% · 3.875%
HK$12,228
−HK$324/mo
Today · 4.125%
HK$12,552
baseline
▲ 0.50% · 4.625%
HK$13,213
+HK$661/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,104/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$14,191
−HK$434/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$15,311
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,721
−HK$417/mo
Today · 4.125%
HK$16,138
baseline
▲ 0.50% · 4.625%
HK$16,988
+HK$850/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$32,276/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).