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$7,761
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,003
−HK$245/mo
Today · 4.125%
HK$8,248
baseline
▲ 0.50% · 4.625%
HK$8,750
+HK$502/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,496/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$8,634
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,866
−HK$235/mo
Today · 4.125%
HK$9,101
baseline
▲ 0.50% · 4.625%
HK$9,581
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,202/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$9,314
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,603
−HK$295/mo
Today · 4.125%
HK$9,898
baseline
▲ 0.50% · 4.625%
HK$10,500
+HK$602/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,796/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$10,361
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,639
−HK$282/mo
Today · 4.125%
HK$10,921
baseline
▲ 0.50% · 4.625%
HK$11,497
+HK$576/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,842/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$10,866
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,204
−HK$343/mo
Today · 4.125%
HK$11,547
baseline
▲ 0.50% · 4.625%
HK$12,250
+HK$703/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,094/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$12,088
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,412
−HK$329/mo
Today · 4.125%
HK$12,741
baseline
▲ 0.50% · 4.625%
HK$13,413
+HK$672/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,482/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$13,970
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,405
−HK$442/mo
Today · 4.125%
HK$14,847
baseline
▲ 0.50% · 4.625%
HK$15,750
+HK$903/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,694/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$15,542
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,959
−HK$423/mo
Today · 4.125%
HK$16,382
baseline
▲ 0.50% · 4.625%
HK$17,245
+HK$863/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,764/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).