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$7,764
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,005
−HK$246/mo
Today · 4.125%
HK$8,251
baseline
▲ 0.50% · 4.625%
HK$8,753
+HK$502/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,502/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$8,637
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,869
−HK$235/mo
Today · 4.125%
HK$9,104
baseline
▲ 0.50% · 4.625%
HK$9,584
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,208/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$9,317
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,606
−HK$295/mo
Today · 4.125%
HK$9,901
baseline
▲ 0.50% · 4.625%
HK$10,503
+HK$602/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,802/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$10,365
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,643
−HK$282/mo
Today · 4.125%
HK$10,925
baseline
▲ 0.50% · 4.625%
HK$11,500
+HK$575/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,850/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$10,869
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,208
−HK$343/mo
Today · 4.125%
HK$11,551
baseline
▲ 0.50% · 4.625%
HK$12,254
+HK$703/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,102/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$12,092
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,416
−HK$329/mo
Today · 4.125%
HK$12,745
baseline
▲ 0.50% · 4.625%
HK$13,417
+HK$672/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,490/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$13,975
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,410
−HK$441/mo
Today · 4.125%
HK$14,851
baseline
▲ 0.50% · 4.625%
HK$15,755
+HK$904/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,702/mo (50% DSR)
Upfront cash ≈ HK$341K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,547
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,964
−HK$423/mo
Today · 4.125%
HK$16,387
baseline
▲ 0.50% · 4.625%
HK$17,251
+HK$864/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,774/mo (50% DSR)
Upfront cash ≈ HK$341K (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).