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$7,743
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,984
−HK$244/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$8,614
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,845
−HK$234/mo
Today · 4.125%
HK$9,079
baseline
▲ 0.50% · 4.625%
HK$9,558
+HK$479/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$10,475
+HK$601/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$10,614
−HK$281/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$10,840
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,177
−HK$343/mo
Today · 4.125%
HK$11,520
baseline
▲ 0.50% · 4.625%
HK$12,221
+HK$701/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,040/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$652/mo
▼ 0.25% · 3.875%
HK$12,383
−HK$328/mo
Today · 4.125%
HK$12,711
baseline
▲ 0.50% · 4.625%
HK$13,381
+HK$670/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,422/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$13,937
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,370
−HK$441/mo
Today · 4.125%
HK$14,811
baseline
▲ 0.50% · 4.625%
HK$15,712
+HK$901/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,622/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$15,505
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,921
−HK$421/mo
Today · 4.125%
HK$16,342
baseline
▲ 0.50% · 4.625%
HK$17,204
+HK$862/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).