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$7,757
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,998
−HK$245/mo
Today · 4.125%
HK$8,243
baseline
▲ 0.50% · 4.625%
HK$8,745
+HK$502/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,486/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$8,630
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,861
−HK$235/mo
Today · 4.125%
HK$9,096
baseline
▲ 0.50% · 4.625%
HK$9,575
+HK$479/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,192/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$9,308
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,598
−HK$294/mo
Today · 4.125%
HK$9,892
baseline
▲ 0.50% · 4.625%
HK$10,494
+HK$602/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,784/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$10,355
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,633
−HK$282/mo
Today · 4.125%
HK$10,915
baseline
▲ 0.50% · 4.625%
HK$11,490
+HK$575/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,830/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$10,860
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,198
−HK$343/mo
Today · 4.125%
HK$11,541
baseline
▲ 0.50% · 4.625%
HK$12,243
+HK$702/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,082/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$12,081
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,405
−HK$329/mo
Today · 4.125%
HK$12,734
baseline
▲ 0.50% · 4.625%
HK$13,405
+HK$671/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,468/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$13,963
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,397
−HK$441/mo
Today · 4.125%
HK$14,838
baseline
▲ 0.50% · 4.625%
HK$15,741
+HK$903/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,676/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$15,533
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,950
−HK$422/mo
Today · 4.125%
HK$16,372
baseline
▲ 0.50% · 4.625%
HK$17,235
+HK$863/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,744/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).