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$7,747
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,988
−HK$245/mo
Today · 4.125%
HK$8,233
baseline
▲ 0.50% · 4.625%
HK$8,734
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,466/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$8,618
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,849
−HK$235/mo
Today · 4.125%
HK$9,084
baseline
▲ 0.50% · 4.625%
HK$9,563
+HK$479/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,168/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$9,296
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,585
−HK$294/mo
Today · 4.125%
HK$9,879
baseline
▲ 0.50% · 4.625%
HK$10,480
+HK$601/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,758/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$10,342
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,619
−HK$282/mo
Today · 4.125%
HK$10,901
baseline
▲ 0.50% · 4.625%
HK$11,475
+HK$574/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,802/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$10,845
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,183
−HK$343/mo
Today · 4.125%
HK$11,526
baseline
▲ 0.50% · 4.625%
HK$12,227
+HK$701/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,052/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$12,066
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,389
−HK$328/mo
Today · 4.125%
HK$12,717
baseline
▲ 0.50% · 4.625%
HK$13,388
+HK$671/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,434/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$13,944
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,378
−HK$441/mo
Today · 4.125%
HK$14,819
baseline
▲ 0.50% · 4.625%
HK$15,720
+HK$901/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,638/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$15,513
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,929
−HK$422/mo
Today · 4.125%
HK$16,351
baseline
▲ 0.50% · 4.625%
HK$17,213
+HK$862/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,702/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).