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$7,757
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,998
−HK$245/mo
Today · 4.125%
HK$8,243
baseline
▲ 0.50% · 4.625%
HK$8,745
+HK$502/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,486/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,629
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,861
−HK$234/mo
Today · 4.125%
HK$9,095
baseline
▲ 0.50% · 4.625%
HK$9,575
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,190/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,308
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,598
−HK$294/mo
Today · 4.125%
HK$9,892
baseline
▲ 0.50% · 4.625%
HK$10,494
+HK$602/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,784/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,355
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,633
−HK$281/mo
Today · 4.125%
HK$10,914
baseline
▲ 0.50% · 4.625%
HK$11,490
+HK$576/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,828/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,859
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,197
−HK$343/mo
Today · 4.125%
HK$11,540
baseline
▲ 0.50% · 4.625%
HK$12,242
+HK$702/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,080/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,081
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,405
−HK$329/mo
Today · 4.125%
HK$12,734
baseline
▲ 0.50% · 4.625%
HK$13,405
+HK$671/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,468/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,962
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,396
−HK$442/mo
Today · 4.125%
HK$14,838
baseline
▲ 0.50% · 4.625%
HK$15,740
+HK$902/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,676/mo (50% DSR)
Upfront cash ≈ HK$340K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,533
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,949
−HK$423/mo
Today · 4.125%
HK$16,372
baseline
▲ 0.50% · 4.625%
HK$17,235
+HK$863/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,744/mo (50% DSR)
Upfront cash ≈ HK$340K (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).