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$7,744
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,985
−HK$244/mo
Today · 4.125%
HK$8,229
baseline
▲ 0.50% · 4.625%
HK$8,730
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,458/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$8,615
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,846
−HK$234/mo
Today · 4.125%
HK$9,080
baseline
▲ 0.50% · 4.625%
HK$9,559
+HK$479/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,160/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$9,293
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,582
−HK$293/mo
Today · 4.125%
HK$9,875
baseline
▲ 0.50% · 4.625%
HK$10,476
+HK$601/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,750/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$10,338
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,615
−HK$281/mo
Today · 4.125%
HK$10,896
baseline
▲ 0.50% · 4.625%
HK$11,471
+HK$575/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,792/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$10,841
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,179
−HK$342/mo
Today · 4.125%
HK$11,521
baseline
▲ 0.50% · 4.625%
HK$12,222
+HK$701/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,042/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$12,061
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,384
−HK$329/mo
Today · 4.125%
HK$12,713
baseline
▲ 0.50% · 4.625%
HK$13,383
+HK$670/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,426/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$13,939
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,372
−HK$441/mo
Today · 4.125%
HK$14,813
baseline
▲ 0.50% · 4.625%
HK$15,714
+HK$901/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,626/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$15,507
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,923
−HK$422/mo
Today · 4.125%
HK$16,345
baseline
▲ 0.50% · 4.625%
HK$17,206
+HK$861/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,690/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).