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$7,753
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,994
−HK$245/mo
Today · 4.125%
HK$8,239
baseline
▲ 0.50% · 4.625%
HK$8,740
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,478/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$8,625
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,856
−HK$235/mo
Today · 4.125%
HK$9,091
baseline
▲ 0.50% · 4.625%
HK$9,570
+HK$479/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,182/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$9,303
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,593
−HK$294/mo
Today · 4.125%
HK$9,887
baseline
▲ 0.50% · 4.625%
HK$10,488
+HK$601/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,774/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$10,350
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,627
−HK$282/mo
Today · 4.125%
HK$10,909
baseline
▲ 0.50% · 4.625%
HK$11,484
+HK$575/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,818/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$10,854
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,192
−HK$343/mo
Today · 4.125%
HK$11,535
baseline
▲ 0.50% · 4.625%
HK$12,236
+HK$701/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,070/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$12,075
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,399
−HK$328/mo
Today · 4.125%
HK$12,727
baseline
▲ 0.50% · 4.625%
HK$13,398
+HK$671/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,454/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$13,955
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,389
−HK$441/mo
Today · 4.125%
HK$14,830
baseline
▲ 0.50% · 4.625%
HK$15,732
+HK$902/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,660/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$15,525
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,941
−HK$423/mo
Today · 4.125%
HK$16,364
baseline
▲ 0.50% · 4.625%
HK$17,226
+HK$862/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,728/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).