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$7,745
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,986
−HK$245/mo
Today · 4.125%
HK$8,231
baseline
▲ 0.50% · 4.625%
HK$8,732
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,462/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$8,616
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,848
−HK$234/mo
Today · 4.125%
HK$9,082
baseline
▲ 0.50% · 4.625%
HK$9,561
+HK$479/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,164/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$9,294
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,583
−HK$294/mo
Today · 4.125%
HK$9,877
baseline
▲ 0.50% · 4.625%
HK$10,478
+HK$601/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,754/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$10,340
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,617
−HK$281/mo
Today · 4.125%
HK$10,898
baseline
▲ 0.50% · 4.625%
HK$11,473
+HK$575/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,796/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$10,843
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,181
−HK$342/mo
Today · 4.125%
HK$11,523
baseline
▲ 0.50% · 4.625%
HK$12,224
+HK$701/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,046/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$12,063
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,387
−HK$328/mo
Today · 4.125%
HK$12,715
baseline
▲ 0.50% · 4.625%
HK$13,385
+HK$670/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,430/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$13,941
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,375
−HK$441/mo
Today · 4.125%
HK$14,816
baseline
▲ 0.50% · 4.625%
HK$15,717
+HK$901/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,632/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$15,510
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,926
−HK$422/mo
Today · 4.125%
HK$16,348
baseline
▲ 0.50% · 4.625%
HK$17,209
+HK$861/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,696/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).