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$7,742
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,983
−HK$244/mo
Today · 4.125%
HK$8,227
baseline
▲ 0.50% · 4.625%
HK$8,728
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,454/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$8,613
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,844
−HK$234/mo
Today · 4.125%
HK$9,078
baseline
▲ 0.50% · 4.625%
HK$9,557
+HK$479/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,156/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$9,290
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,579
−HK$294/mo
Today · 4.125%
HK$9,873
baseline
▲ 0.50% · 4.625%
HK$10,474
+HK$601/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,746/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$10,335
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,613
−HK$281/mo
Today · 4.125%
HK$10,894
baseline
▲ 0.50% · 4.625%
HK$11,468
+HK$574/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,788/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$10,839
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,176
−HK$342/mo
Today · 4.125%
HK$11,518
baseline
▲ 0.50% · 4.625%
HK$12,219
+HK$701/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,036/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$12,058
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,381
−HK$328/mo
Today · 4.125%
HK$12,709
baseline
▲ 0.50% · 4.625%
HK$13,379
+HK$670/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,418/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$13,936
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,369
−HK$440/mo
Today · 4.125%
HK$14,809
baseline
▲ 0.50% · 4.625%
HK$15,711
+HK$902/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,618/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$15,503
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,919
−HK$422/mo
Today · 4.125%
HK$16,341
baseline
▲ 0.50% · 4.625%
HK$17,202
+HK$861/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,682/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).