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$7,655
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,893
−HK$242/mo
Today · 4.125%
HK$8,135
baseline
▲ 0.50% · 4.625%
HK$8,630
+HK$495/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,270/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$8,516
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,744
−HK$232/mo
Today · 4.125%
HK$8,976
baseline
▲ 0.50% · 4.625%
HK$9,449
+HK$473/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,952/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$9,186
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,472
−HK$290/mo
Today · 4.125%
HK$9,762
baseline
▲ 0.50% · 4.625%
HK$10,356
+HK$594/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,524/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$10,219
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,493
−HK$278/mo
Today · 4.125%
HK$10,771
baseline
▲ 0.50% · 4.625%
HK$11,339
+HK$568/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,542/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$10,717
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,050
−HK$339/mo
Today · 4.125%
HK$11,389
baseline
▲ 0.50% · 4.625%
HK$12,082
+HK$693/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,778/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$11,923
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,242
−HK$325/mo
Today · 4.125%
HK$12,567
baseline
▲ 0.50% · 4.625%
HK$13,229
+HK$662/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,134/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$13,779
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,208
−HK$435/mo
Today · 4.125%
HK$14,643
baseline
▲ 0.50% · 4.625%
HK$15,534
+HK$891/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$29,286/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$15,329
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,740
−HK$417/mo
Today · 4.125%
HK$16,157
baseline
▲ 0.50% · 4.625%
HK$17,009
+HK$852/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$32,314/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).