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$7,750
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,991
−HK$245/mo
Today · 4.125%
HK$8,236
baseline
▲ 0.50% · 4.625%
HK$8,737
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,472/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$8,622
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,853
−HK$235/mo
Today · 4.125%
HK$9,088
baseline
▲ 0.50% · 4.625%
HK$9,567
+HK$479/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,176/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$9,300
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,590
−HK$294/mo
Today · 4.125%
HK$9,884
baseline
▲ 0.50% · 4.625%
HK$10,485
+HK$601/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,768/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$10,347
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,624
−HK$281/mo
Today · 4.125%
HK$10,905
baseline
▲ 0.50% · 4.625%
HK$11,480
+HK$575/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,810/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$10,850
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,188
−HK$343/mo
Today · 4.125%
HK$11,531
baseline
▲ 0.50% · 4.625%
HK$12,232
+HK$701/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,062/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$12,071
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,395
−HK$328/mo
Today · 4.125%
HK$12,723
baseline
▲ 0.50% · 4.625%
HK$13,394
+HK$671/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,446/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$13,950
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,384
−HK$441/mo
Today · 4.125%
HK$14,825
baseline
▲ 0.50% · 4.625%
HK$15,727
+HK$902/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,650/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$15,520
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,936
−HK$422/mo
Today · 4.125%
HK$16,358
baseline
▲ 0.50% · 4.625%
HK$17,221
+HK$863/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,716/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).