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$7,649
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,887
−HK$242/mo
Today · 4.125%
HK$8,129
baseline
▲ 0.50% · 4.625%
HK$8,623
+HK$494/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,258/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$8,509
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,738
−HK$231/mo
Today · 4.125%
HK$8,969
baseline
▲ 0.50% · 4.625%
HK$9,442
+HK$473/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,938/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$9,179
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,464
−HK$290/mo
Today · 4.125%
HK$9,754
baseline
▲ 0.50% · 4.625%
HK$10,348
+HK$594/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,508/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$10,211
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,485
−HK$278/mo
Today · 4.125%
HK$10,763
baseline
▲ 0.50% · 4.625%
HK$11,330
+HK$567/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,526/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$10,708
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,042
−HK$338/mo
Today · 4.125%
HK$11,380
baseline
▲ 0.50% · 4.625%
HK$12,072
+HK$692/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,760/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$11,913
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,233
−HK$324/mo
Today · 4.125%
HK$12,557
baseline
▲ 0.50% · 4.625%
HK$13,219
+HK$662/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,114/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$13,768
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,196
−HK$435/mo
Today · 4.125%
HK$14,631
baseline
▲ 0.50% · 4.625%
HK$15,522
+HK$891/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$29,262/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$15,317
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,728
−HK$416/mo
Today · 4.125%
HK$16,144
baseline
▲ 0.50% · 4.625%
HK$16,995
+HK$851/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$32,288/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).