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$7,648
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,886
−HK$242/mo
Today · 4.125%
HK$8,128
baseline
▲ 0.50% · 4.625%
HK$8,622
+HK$494/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,256/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$8,509
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,737
−HK$231/mo
Today · 4.125%
HK$8,968
baseline
▲ 0.50% · 4.625%
HK$9,441
+HK$473/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,936/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$9,178
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,463
−HK$290/mo
Today · 4.125%
HK$9,753
baseline
▲ 0.50% · 4.625%
HK$10,347
+HK$594/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,506/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$10,210
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,484
−HK$278/mo
Today · 4.125%
HK$10,762
baseline
▲ 0.50% · 4.625%
HK$11,329
+HK$567/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,524/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$10,708
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,041
−HK$338/mo
Today · 4.125%
HK$11,379
baseline
▲ 0.50% · 4.625%
HK$12,071
+HK$692/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,758/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$11,912
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,231
−HK$325/mo
Today · 4.125%
HK$12,556
baseline
▲ 0.50% · 4.625%
HK$13,217
+HK$661/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,112/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$13,767
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,195
−HK$435/mo
Today · 4.125%
HK$14,630
baseline
▲ 0.50% · 4.625%
HK$15,520
+HK$890/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$29,260/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$15,315
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,726
−HK$417/mo
Today · 4.125%
HK$16,143
baseline
▲ 0.50% · 4.625%
HK$16,994
+HK$851/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$32,286/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).