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$7,751
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,992
−HK$245/mo
Today · 4.125%
HK$8,237
baseline
▲ 0.50% · 4.625%
HK$8,738
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,474/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$8,623
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,854
−HK$235/mo
Today · 4.125%
HK$9,089
baseline
▲ 0.50% · 4.625%
HK$9,568
+HK$479/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,178/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$9,301
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,590
−HK$294/mo
Today · 4.125%
HK$9,884
baseline
▲ 0.50% · 4.625%
HK$10,486
+HK$602/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,768/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$10,347
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,625
−HK$281/mo
Today · 4.125%
HK$10,906
baseline
▲ 0.50% · 4.625%
HK$11,481
+HK$575/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,812/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$10,851
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,189
−HK$343/mo
Today · 4.125%
HK$11,532
baseline
▲ 0.50% · 4.625%
HK$12,233
+HK$701/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,064/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$12,072
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,395
−HK$329/mo
Today · 4.125%
HK$12,724
baseline
▲ 0.50% · 4.625%
HK$13,395
+HK$671/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,448/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$13,951
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,385
−HK$441/mo
Today · 4.125%
HK$14,826
baseline
▲ 0.50% · 4.625%
HK$15,728
+HK$902/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,652/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$15,521
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,937
−HK$422/mo
Today · 4.125%
HK$16,359
baseline
▲ 0.50% · 4.625%
HK$17,222
+HK$863/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,718/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).