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$7,647
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,885
−HK$242/mo
Today · 4.125%
HK$8,127
baseline
▲ 0.50% · 4.625%
HK$8,621
+HK$494/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,254/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$8,508
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,736
−HK$231/mo
Today · 4.125%
HK$8,967
baseline
▲ 0.50% · 4.625%
HK$9,440
+HK$473/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,934/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$9,177
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,462
−HK$290/mo
Today · 4.125%
HK$9,752
baseline
▲ 0.50% · 4.625%
HK$10,346
+HK$594/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,504/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$10,209
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,483
−HK$278/mo
Today · 4.125%
HK$10,761
baseline
▲ 0.50% · 4.625%
HK$11,328
+HK$567/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,522/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$10,706
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,039
−HK$339/mo
Today · 4.125%
HK$11,378
baseline
▲ 0.50% · 4.625%
HK$12,070
+HK$692/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,756/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$11,911
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,230
−HK$324/mo
Today · 4.125%
HK$12,554
baseline
▲ 0.50% · 4.625%
HK$13,216
+HK$662/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,108/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$13,765
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,194
−HK$435/mo
Today · 4.125%
HK$14,629
baseline
▲ 0.50% · 4.625%
HK$15,519
+HK$890/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$29,258/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$15,314
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,725
−HK$416/mo
Today · 4.125%
HK$16,141
baseline
▲ 0.50% · 4.625%
HK$16,992
+HK$851/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$32,282/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).