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$7,744
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,985
−HK$245/mo
Today · 4.125%
HK$8,230
baseline
▲ 0.50% · 4.625%
HK$8,731
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,460/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$8,616
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,847
−HK$234/mo
Today · 4.125%
HK$9,081
baseline
▲ 0.50% · 4.625%
HK$9,560
+HK$479/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,162/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$9,293
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,582
−HK$294/mo
Today · 4.125%
HK$9,876
baseline
▲ 0.50% · 4.625%
HK$10,477
+HK$601/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,752/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$10,339
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,616
−HK$281/mo
Today · 4.125%
HK$10,897
baseline
▲ 0.50% · 4.625%
HK$11,472
+HK$575/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,794/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$10,842
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,179
−HK$343/mo
Today · 4.125%
HK$11,522
baseline
▲ 0.50% · 4.625%
HK$12,223
+HK$701/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,044/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$12,062
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,385
−HK$329/mo
Today · 4.125%
HK$12,714
baseline
▲ 0.50% · 4.625%
HK$13,384
+HK$670/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,428/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$13,940
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,374
−HK$440/mo
Today · 4.125%
HK$14,814
baseline
▲ 0.50% · 4.625%
HK$15,716
+HK$902/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,628/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$15,508
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,924
−HK$422/mo
Today · 4.125%
HK$16,346
baseline
▲ 0.50% · 4.625%
HK$17,208
+HK$862/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,692/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).