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$7,652
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,890
−HK$242/mo
Today · 4.125%
HK$8,132
baseline
▲ 0.50% · 4.625%
HK$8,627
+HK$495/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,264/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$8,513
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,741
−HK$232/mo
Today · 4.125%
HK$8,973
baseline
▲ 0.50% · 4.625%
HK$9,446
+HK$473/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,946/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$9,183
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,468
−HK$290/mo
Today · 4.125%
HK$9,758
baseline
▲ 0.50% · 4.625%
HK$10,352
+HK$594/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,516/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$10,216
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,490
−HK$277/mo
Today · 4.125%
HK$10,767
baseline
▲ 0.50% · 4.625%
HK$11,335
+HK$568/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,534/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$10,713
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,046
−HK$339/mo
Today · 4.125%
HK$11,385
baseline
▲ 0.50% · 4.625%
HK$12,078
+HK$693/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,770/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$11,918
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,238
−HK$324/mo
Today · 4.125%
HK$12,562
baseline
▲ 0.50% · 4.625%
HK$13,224
+HK$662/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,124/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$13,774
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,202
−HK$436/mo
Today · 4.125%
HK$14,638
baseline
▲ 0.50% · 4.625%
HK$15,528
+HK$890/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$29,276/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$15,323
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,734
−HK$417/mo
Today · 4.125%
HK$16,151
baseline
▲ 0.50% · 4.625%
HK$17,003
+HK$852/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$32,302/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).