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$7,754
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,995
−HK$245/mo
Today · 4.125%
HK$8,240
baseline
▲ 0.50% · 4.625%
HK$8,742
+HK$502/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,480/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$8,626
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,857
−HK$235/mo
Today · 4.125%
HK$9,092
baseline
▲ 0.50% · 4.625%
HK$9,571
+HK$479/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,184/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$9,305
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,594
−HK$294/mo
Today · 4.125%
HK$9,888
baseline
▲ 0.50% · 4.625%
HK$10,490
+HK$602/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,776/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$10,351
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,629
−HK$282/mo
Today · 4.125%
HK$10,911
baseline
▲ 0.50% · 4.625%
HK$11,486
+HK$575/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,822/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$10,855
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,193
−HK$343/mo
Today · 4.125%
HK$11,536
baseline
▲ 0.50% · 4.625%
HK$12,238
+HK$702/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,072/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$12,077
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,400
−HK$329/mo
Today · 4.125%
HK$12,729
baseline
▲ 0.50% · 4.625%
HK$13,400
+HK$671/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,458/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$13,957
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,391
−HK$441/mo
Today · 4.125%
HK$14,832
baseline
▲ 0.50% · 4.625%
HK$15,735
+HK$903/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,664/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$15,527
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,943
−HK$423/mo
Today · 4.125%
HK$16,366
baseline
▲ 0.50% · 4.625%
HK$17,229
+HK$863/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,732/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).