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$7,761
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,002
−HK$246/mo
Today · 4.125%
HK$8,248
baseline
▲ 0.50% · 4.625%
HK$8,750
+HK$502/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,496/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$8,634
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,866
−HK$235/mo
Today · 4.125%
HK$9,101
baseline
▲ 0.50% · 4.625%
HK$9,580
+HK$479/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,202/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$9,313
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,603
−HK$294/mo
Today · 4.125%
HK$9,897
baseline
▲ 0.50% · 4.625%
HK$10,499
+HK$602/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,794/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$10,361
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,639
−HK$282/mo
Today · 4.125%
HK$10,921
baseline
▲ 0.50% · 4.625%
HK$11,496
+HK$575/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,842/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$10,865
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,203
−HK$344/mo
Today · 4.125%
HK$11,547
baseline
▲ 0.50% · 4.625%
HK$12,249
+HK$702/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,094/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$12,088
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,412
−HK$329/mo
Today · 4.125%
HK$12,741
baseline
▲ 0.50% · 4.625%
HK$13,412
+HK$671/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,482/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$13,970
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,404
−HK$442/mo
Today · 4.125%
HK$14,846
baseline
▲ 0.50% · 4.625%
HK$15,749
+HK$903/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,692/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$15,541
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,958
−HK$423/mo
Today · 4.125%
HK$16,381
baseline
▲ 0.50% · 4.625%
HK$17,244
+HK$863/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,762/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).