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$487/mo
▼ 0.25% · 3.875%
HK$7,999
−HK$245/mo
Today · 4.125%
HK$8,244
baseline
▲ 0.50% · 4.625%
HK$8,745
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,488/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$8,630
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,861
−HK$235/mo
Today · 4.125%
HK$9,096
baseline
▲ 0.50% · 4.625%
HK$9,576
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,192/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$9,309
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,598
−HK$295/mo
Today · 4.125%
HK$9,893
baseline
▲ 0.50% · 4.625%
HK$10,495
+HK$602/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,786/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$10,356
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,634
−HK$281/mo
Today · 4.125%
HK$10,915
baseline
▲ 0.50% · 4.625%
HK$11,491
+HK$576/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,830/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$10,860
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,198
−HK$343/mo
Today · 4.125%
HK$11,541
baseline
▲ 0.50% · 4.625%
HK$12,244
+HK$703/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,082/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$12,082
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,406
−HK$329/mo
Today · 4.125%
HK$12,735
baseline
▲ 0.50% · 4.625%
HK$13,406
+HK$671/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,470/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$13,963
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,398
−HK$441/mo
Today · 4.125%
HK$14,839
baseline
▲ 0.50% · 4.625%
HK$15,742
+HK$903/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,678/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$15,534
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,951
−HK$422/mo
Today · 4.125%
HK$16,373
baseline
▲ 0.50% · 4.625%
HK$17,236
+HK$863/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,746/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).