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$7,641
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,879
−HK$242/mo
Today · 4.125%
HK$8,121
baseline
▲ 0.50% · 4.625%
HK$8,615
+HK$494/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,242/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$8,501
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,729
−HK$231/mo
Today · 4.125%
HK$8,960
baseline
▲ 0.50% · 4.625%
HK$9,433
+HK$473/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,920/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$9,170
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,455
−HK$290/mo
Today · 4.125%
HK$9,745
baseline
▲ 0.50% · 4.625%
HK$10,338
+HK$593/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,490/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$10,201
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,475
−HK$277/mo
Today · 4.125%
HK$10,752
baseline
▲ 0.50% · 4.625%
HK$11,319
+HK$567/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,504/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$10,698
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,031
−HK$338/mo
Today · 4.125%
HK$11,369
baseline
▲ 0.50% · 4.625%
HK$12,061
+HK$692/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,738/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$11,901
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,221
−HK$323/mo
Today · 4.125%
HK$12,544
baseline
▲ 0.50% · 4.625%
HK$13,206
+HK$662/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,088/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$13,755
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,182
−HK$435/mo
Today · 4.125%
HK$14,617
baseline
▲ 0.50% · 4.625%
HK$15,506
+HK$889/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$29,234/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$15,302
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,712
−HK$416/mo
Today · 4.125%
HK$16,128
baseline
▲ 0.50% · 4.625%
HK$16,979
+HK$851/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$32,256/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).