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$7,643
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,881
−HK$242/mo
Today · 4.125%
HK$8,123
baseline
▲ 0.50% · 4.625%
HK$8,617
+HK$494/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,246/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$8,503
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,731
−HK$232/mo
Today · 4.125%
HK$8,963
baseline
▲ 0.50% · 4.625%
HK$9,435
+HK$472/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,926/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$9,172
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,458
−HK$289/mo
Today · 4.125%
HK$9,747
baseline
▲ 0.50% · 4.625%
HK$10,340
+HK$593/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,494/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$10,204
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,478
−HK$277/mo
Today · 4.125%
HK$10,755
baseline
▲ 0.50% · 4.625%
HK$11,322
+HK$567/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,510/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$10,701
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,034
−HK$338/mo
Today · 4.125%
HK$11,372
baseline
▲ 0.50% · 4.625%
HK$12,064
+HK$692/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,744/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$11,905
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,224
−HK$324/mo
Today · 4.125%
HK$12,548
baseline
▲ 0.50% · 4.625%
HK$13,209
+HK$661/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,096/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$13,758
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,186
−HK$435/mo
Today · 4.125%
HK$14,621
baseline
▲ 0.50% · 4.625%
HK$15,511
+HK$890/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$29,242/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$15,306
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,716
−HK$417/mo
Today · 4.125%
HK$16,133
baseline
▲ 0.50% · 4.625%
HK$16,983
+HK$850/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$32,266/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).