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$7,763
−HK$486/mo
▼ 0.25% · 3.875%
HK$8,004
−HK$245/mo
Today · 4.125%
HK$8,249
baseline
▲ 0.50% · 4.625%
HK$8,751
+HK$502/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,498/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$8,636
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,867
−HK$235/mo
Today · 4.125%
HK$9,102
baseline
▲ 0.50% · 4.625%
HK$9,582
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,204/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$9,315
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,605
−HK$294/mo
Today · 4.125%
HK$9,899
baseline
▲ 0.50% · 4.625%
HK$10,502
+HK$603/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,798/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$10,363
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,641
−HK$282/mo
Today · 4.125%
HK$10,923
baseline
▲ 0.50% · 4.625%
HK$11,499
+HK$576/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,846/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$10,868
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,206
−HK$343/mo
Today · 4.125%
HK$11,549
baseline
▲ 0.50% · 4.625%
HK$12,252
+HK$703/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,098/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$12,090
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,414
−HK$329/mo
Today · 4.125%
HK$12,743
baseline
▲ 0.50% · 4.625%
HK$13,415
+HK$672/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,486/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$13,973
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,407
−HK$442/mo
Today · 4.125%
HK$14,849
baseline
▲ 0.50% · 4.625%
HK$15,752
+HK$903/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,698/mo (50% DSR)
Upfront cash ≈ HK$341K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,544
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,961
−HK$423/mo
Today · 4.125%
HK$16,384
baseline
▲ 0.50% · 4.625%
HK$17,248
+HK$864/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,768/mo (50% DSR)
Upfront cash ≈ HK$341K (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).