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$7,643
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,881
−HK$242/mo
Today · 4.125%
HK$8,123
baseline
▲ 0.50% · 4.625%
HK$8,617
+HK$494/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,246/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$8,503
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,731
−HK$231/mo
Today · 4.125%
HK$8,962
baseline
▲ 0.50% · 4.625%
HK$9,435
+HK$473/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,924/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$9,172
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,457
−HK$290/mo
Today · 4.125%
HK$9,747
baseline
▲ 0.50% · 4.625%
HK$10,340
+HK$593/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,494/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$10,204
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,477
−HK$278/mo
Today · 4.125%
HK$10,755
baseline
▲ 0.50% · 4.625%
HK$11,322
+HK$567/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,510/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$10,701
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,033
−HK$339/mo
Today · 4.125%
HK$11,372
baseline
▲ 0.50% · 4.625%
HK$12,063
+HK$691/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,744/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$11,904
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,223
−HK$324/mo
Today · 4.125%
HK$12,547
baseline
▲ 0.50% · 4.625%
HK$13,209
+HK$662/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,094/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$13,758
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,186
−HK$435/mo
Today · 4.125%
HK$14,621
baseline
▲ 0.50% · 4.625%
HK$15,510
+HK$889/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$29,242/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$15,305
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,716
−HK$416/mo
Today · 4.125%
HK$16,132
baseline
▲ 0.50% · 4.625%
HK$16,983
+HK$851/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$32,264/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).