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$7,742
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,983
−HK$245/mo
Today · 4.125%
HK$8,228
baseline
▲ 0.50% · 4.625%
HK$8,729
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,456/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$8,613
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,844
−HK$235/mo
Today · 4.125%
HK$9,079
baseline
▲ 0.50% · 4.625%
HK$9,557
+HK$478/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,158/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$9,291
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,580
−HK$294/mo
Today · 4.125%
HK$9,874
baseline
▲ 0.50% · 4.625%
HK$10,474
+HK$600/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,748/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$10,336
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,613
−HK$282/mo
Today · 4.125%
HK$10,895
baseline
▲ 0.50% · 4.625%
HK$11,469
+HK$574/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,790/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$10,839
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,177
−HK$342/mo
Today · 4.125%
HK$11,519
baseline
▲ 0.50% · 4.625%
HK$12,220
+HK$701/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,038/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$12,059
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,382
−HK$328/mo
Today · 4.125%
HK$12,710
baseline
▲ 0.50% · 4.625%
HK$13,380
+HK$670/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,420/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$13,936
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,370
−HK$440/mo
Today · 4.125%
HK$14,810
baseline
▲ 0.50% · 4.625%
HK$15,712
+HK$902/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,620/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$15,504
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,920
−HK$422/mo
Today · 4.125%
HK$16,342
baseline
▲ 0.50% · 4.625%
HK$17,203
+HK$861/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,684/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).