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$7,752
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,993
−HK$245/mo
Today · 4.125%
HK$8,238
baseline
▲ 0.50% · 4.625%
HK$8,739
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,476/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$8,624
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,855
−HK$235/mo
Today · 4.125%
HK$9,090
baseline
▲ 0.50% · 4.625%
HK$9,569
+HK$479/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,180/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$9,302
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,592
−HK$294/mo
Today · 4.125%
HK$9,886
baseline
▲ 0.50% · 4.625%
HK$10,487
+HK$601/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,772/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$10,349
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,626
−HK$282/mo
Today · 4.125%
HK$10,908
baseline
▲ 0.50% · 4.625%
HK$11,483
+HK$575/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,816/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$10,853
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,190
−HK$343/mo
Today · 4.125%
HK$11,533
baseline
▲ 0.50% · 4.625%
HK$12,235
+HK$702/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,066/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$12,073
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,397
−HK$329/mo
Today · 4.125%
HK$12,726
baseline
▲ 0.50% · 4.625%
HK$13,396
+HK$670/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,452/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$13,953
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,387
−HK$441/mo
Today · 4.125%
HK$14,828
baseline
▲ 0.50% · 4.625%
HK$15,731
+HK$903/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,656/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$15,523
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,939
−HK$423/mo
Today · 4.125%
HK$16,362
baseline
▲ 0.50% · 4.625%
HK$17,224
+HK$862/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,724/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).