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$7,760
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,001
−HK$246/mo
Today · 4.125%
HK$8,247
baseline
▲ 0.50% · 4.625%
HK$8,748
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,494/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$8,633
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,864
−HK$235/mo
Today · 4.125%
HK$9,099
baseline
▲ 0.50% · 4.625%
HK$9,579
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,198/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$9,312
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,602
−HK$294/mo
Today · 4.125%
HK$9,896
baseline
▲ 0.50% · 4.625%
HK$10,498
+HK$602/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,792/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$10,360
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,637
−HK$282/mo
Today · 4.125%
HK$10,919
baseline
▲ 0.50% · 4.625%
HK$11,495
+HK$576/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,838/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$10,864
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,202
−HK$343/mo
Today · 4.125%
HK$11,545
baseline
▲ 0.50% · 4.625%
HK$12,248
+HK$703/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,090/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$12,086
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,410
−HK$329/mo
Today · 4.125%
HK$12,739
baseline
▲ 0.50% · 4.625%
HK$13,411
+HK$672/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,478/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$13,968
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,403
−HK$441/mo
Today · 4.125%
HK$14,844
baseline
▲ 0.50% · 4.625%
HK$15,747
+HK$903/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,688/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$15,539
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,956
−HK$423/mo
Today · 4.125%
HK$16,379
baseline
▲ 0.50% · 4.625%
HK$17,242
+HK$863/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,758/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).