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$7,743
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,984
−HK$245/mo
Today · 4.125%
HK$8,229
baseline
▲ 0.50% · 4.625%
HK$8,729
+HK$500/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$8,614
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,845
−HK$235/mo
Today · 4.125%
HK$9,080
baseline
▲ 0.50% · 4.625%
HK$9,558
+HK$478/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$9,292
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,581
−HK$293/mo
Today · 4.125%
HK$9,874
baseline
▲ 0.50% · 4.625%
HK$10,475
+HK$601/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,748/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$10,337
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,614
−HK$281/mo
Today · 4.125%
HK$10,895
baseline
▲ 0.50% · 4.625%
HK$11,470
+HK$575/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,790/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$10,840
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,178
−HK$342/mo
Today · 4.125%
HK$11,520
baseline
▲ 0.50% · 4.625%
HK$12,221
+HK$701/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,040/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$12,060
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,383
−HK$328/mo
Today · 4.125%
HK$12,711
baseline
▲ 0.50% · 4.625%
HK$13,381
+HK$670/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,422/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$13,938
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,371
−HK$441/mo
Today · 4.125%
HK$14,812
baseline
▲ 0.50% · 4.625%
HK$15,713
+HK$901/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,624/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$15,505
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,921
−HK$422/mo
Today · 4.125%
HK$16,343
baseline
▲ 0.50% · 4.625%
HK$17,205
+HK$862/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,686/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).