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$7,748
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,989
−HK$245/mo
Today · 4.125%
HK$8,234
baseline
▲ 0.50% · 4.625%
HK$8,735
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,468/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$8,620
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,851
−HK$235/mo
Today · 4.125%
HK$9,086
baseline
▲ 0.50% · 4.625%
HK$9,564
+HK$478/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,172/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$9,298
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,587
−HK$294/mo
Today · 4.125%
HK$9,881
baseline
▲ 0.50% · 4.625%
HK$10,482
+HK$601/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,762/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$10,344
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,621
−HK$282/mo
Today · 4.125%
HK$10,903
baseline
▲ 0.50% · 4.625%
HK$11,477
+HK$574/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,806/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$10,848
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,185
−HK$343/mo
Today · 4.125%
HK$11,528
baseline
▲ 0.50% · 4.625%
HK$12,229
+HK$701/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,056/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$12,068
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,391
−HK$329/mo
Today · 4.125%
HK$12,720
baseline
▲ 0.50% · 4.625%
HK$13,390
+HK$670/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,440/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$13,947
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,381
−HK$440/mo
Today · 4.125%
HK$14,821
baseline
▲ 0.50% · 4.625%
HK$15,723
+HK$902/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,642/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$15,516
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,932
−HK$422/mo
Today · 4.125%
HK$16,354
baseline
▲ 0.50% · 4.625%
HK$17,216
+HK$862/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,708/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).