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$7,756
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,997
−HK$245/mo
Today · 4.125%
HK$8,242
baseline
▲ 0.50% · 4.625%
HK$8,744
+HK$502/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,484/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$8,860
−HK$235/mo
Today · 4.125%
HK$9,095
baseline
▲ 0.50% · 4.625%
HK$9,574
+HK$479/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$9,307
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,597
−HK$294/mo
Today · 4.125%
HK$9,891
baseline
▲ 0.50% · 4.625%
HK$10,493
+HK$602/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,782/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$10,354
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,632
−HK$282/mo
Today · 4.125%
HK$10,914
baseline
▲ 0.50% · 4.625%
HK$11,489
+HK$575/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$10,858
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,196
−HK$343/mo
Today · 4.125%
HK$11,539
baseline
▲ 0.50% · 4.625%
HK$12,242
+HK$703/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,078/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$12,080
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,404
−HK$329/mo
Today · 4.125%
HK$12,733
baseline
▲ 0.50% · 4.625%
HK$13,404
+HK$671/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,466/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$13,961
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,395
−HK$441/mo
Today · 4.125%
HK$14,836
baseline
▲ 0.50% · 4.625%
HK$15,739
+HK$903/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,672/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$15,531
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,948
−HK$422/mo
Today · 4.125%
HK$16,370
baseline
▲ 0.50% · 4.625%
HK$17,233
+HK$863/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,740/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).