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$7,644
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,882
−HK$241/mo
Today · 4.125%
HK$8,123
baseline
▲ 0.50% · 4.625%
HK$8,618
+HK$495/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$8,504
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,732
−HK$231/mo
Today · 4.125%
HK$8,963
baseline
▲ 0.50% · 4.625%
HK$9,436
+HK$473/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$9,173
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,458
−HK$290/mo
Today · 4.125%
HK$9,748
baseline
▲ 0.50% · 4.625%
HK$10,341
+HK$593/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,496/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$10,205
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,478
−HK$278/mo
Today · 4.125%
HK$10,756
baseline
▲ 0.50% · 4.625%
HK$11,323
+HK$567/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,512/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$10,702
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,034
−HK$339/mo
Today · 4.125%
HK$11,373
baseline
▲ 0.50% · 4.625%
HK$12,065
+HK$692/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,746/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$644/mo
▼ 0.25% · 3.875%
HK$12,225
−HK$324/mo
Today · 4.125%
HK$12,549
baseline
▲ 0.50% · 4.625%
HK$13,210
+HK$661/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,098/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$13,759
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,187
−HK$435/mo
Today · 4.125%
HK$14,622
baseline
▲ 0.50% · 4.625%
HK$15,512
+HK$890/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$29,244/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$15,307
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,717
−HK$417/mo
Today · 4.125%
HK$16,134
baseline
▲ 0.50% · 4.625%
HK$16,984
+HK$850/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$32,268/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).