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$7,648
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,886
−HK$241/mo
Today · 4.125%
HK$8,127
baseline
▲ 0.50% · 4.625%
HK$8,622
+HK$495/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$460/mo
▼ 0.25% · 3.875%
HK$8,736
−HK$232/mo
Today · 4.125%
HK$8,968
baseline
▲ 0.50% · 4.625%
HK$9,440
+HK$472/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,936/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$576/mo
▼ 0.25% · 3.875%
HK$9,463
−HK$290/mo
Today · 4.125%
HK$9,753
baseline
▲ 0.50% · 4.625%
HK$10,346
+HK$593/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,506/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$10,210
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,484
−HK$277/mo
Today · 4.125%
HK$10,761
baseline
▲ 0.50% · 4.625%
HK$11,329
+HK$568/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$10,707
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,040
−HK$338/mo
Today · 4.125%
HK$11,378
baseline
▲ 0.50% · 4.625%
HK$12,071
+HK$693/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$644/mo
▼ 0.25% · 3.875%
HK$12,231
−HK$324/mo
Today · 4.125%
HK$12,555
baseline
▲ 0.50% · 4.625%
HK$13,217
+HK$662/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,110/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$13,766
−HK$863/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$15,315
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,725
−HK$417/mo
Today · 4.125%
HK$16,142
baseline
▲ 0.50% · 4.625%
HK$16,993
+HK$851/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$32,284/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).