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$7,755
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,996
−HK$245/mo
Today · 4.125%
HK$8,241
baseline
▲ 0.50% · 4.625%
HK$8,743
+HK$502/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,482/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$8,627
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,859
−HK$235/mo
Today · 4.125%
HK$9,094
baseline
▲ 0.50% · 4.625%
HK$9,573
+HK$479/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,188/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$9,306
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,596
−HK$294/mo
Today · 4.125%
HK$9,890
baseline
▲ 0.50% · 4.625%
HK$10,491
+HK$601/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,780/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$10,353
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,631
−HK$281/mo
Today · 4.125%
HK$10,912
baseline
▲ 0.50% · 4.625%
HK$11,488
+HK$576/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,824/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$10,857
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,195
−HK$343/mo
Today · 4.125%
HK$11,538
baseline
▲ 0.50% · 4.625%
HK$12,240
+HK$702/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,076/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$12,078
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,402
−HK$329/mo
Today · 4.125%
HK$12,731
baseline
▲ 0.50% · 4.625%
HK$13,402
+HK$671/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,462/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$13,959
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,393
−HK$442/mo
Today · 4.125%
HK$14,835
baseline
▲ 0.50% · 4.625%
HK$15,737
+HK$902/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,670/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$15,529
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,946
−HK$422/mo
Today · 4.125%
HK$16,368
baseline
▲ 0.50% · 4.625%
HK$17,231
+HK$863/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,736/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).