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$7,639
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,877
−HK$242/mo
Today · 4.125%
HK$8,119
baseline
▲ 0.50% · 4.625%
HK$8,613
+HK$494/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,238/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$8,499
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,727
−HK$231/mo
Today · 4.125%
HK$8,958
baseline
▲ 0.50% · 4.625%
HK$9,430
+HK$472/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,916/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$9,167
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,453
−HK$289/mo
Today · 4.125%
HK$9,742
baseline
▲ 0.50% · 4.625%
HK$10,335
+HK$593/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,484/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$10,199
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,472
−HK$278/mo
Today · 4.125%
HK$10,750
baseline
▲ 0.50% · 4.625%
HK$11,316
+HK$566/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,500/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$10,695
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,028
−HK$338/mo
Today · 4.125%
HK$11,366
baseline
▲ 0.50% · 4.625%
HK$12,058
+HK$692/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,732/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$11,898
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,217
−HK$324/mo
Today · 4.125%
HK$12,541
baseline
▲ 0.50% · 4.625%
HK$13,202
+HK$661/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,082/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$13,751
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,179
−HK$434/mo
Today · 4.125%
HK$14,613
baseline
▲ 0.50% · 4.625%
HK$15,503
+HK$890/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$29,226/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$15,298
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,708
−HK$416/mo
Today · 4.125%
HK$16,124
baseline
▲ 0.50% · 4.625%
HK$16,974
+HK$850/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$32,248/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).