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$8,740
+HK$502/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$8,856
−HK$234/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$9,303
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,592
−HK$294/mo
Today · 4.125%
HK$9,886
baseline
▲ 0.50% · 4.625%
HK$10,488
+HK$602/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$10,627
−HK$281/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$681/mo
▼ 0.25% · 3.875%
HK$11,191
−HK$343/mo
Today · 4.125%
HK$11,534
baseline
▲ 0.50% · 4.625%
HK$12,236
+HK$702/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,068/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$12,074
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,398
−HK$328/mo
Today · 4.125%
HK$12,726
baseline
▲ 0.50% · 4.625%
HK$13,397
+HK$671/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$13,954
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,388
−HK$441/mo
Today · 4.125%
HK$14,829
baseline
▲ 0.50% · 4.625%
HK$15,732
+HK$903/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,658/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$15,524
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,940
−HK$423/mo
Today · 4.125%
HK$16,363
baseline
▲ 0.50% · 4.625%
HK$17,225
+HK$862/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,726/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).