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$7,755
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,996
−HK$245/mo
Today · 4.125%
HK$8,241
baseline
▲ 0.50% · 4.625%
HK$8,742
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,482/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$8,627
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,858
−HK$235/mo
Today · 4.125%
HK$9,093
baseline
▲ 0.50% · 4.625%
HK$9,572
+HK$479/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,186/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$9,306
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,595
−HK$294/mo
Today · 4.125%
HK$9,889
baseline
▲ 0.50% · 4.625%
HK$10,491
+HK$602/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,778/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$10,352
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,630
−HK$282/mo
Today · 4.125%
HK$10,912
baseline
▲ 0.50% · 4.625%
HK$11,487
+HK$575/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,824/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$10,857
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,194
−HK$343/mo
Today · 4.125%
HK$11,537
baseline
▲ 0.50% · 4.625%
HK$12,239
+HK$702/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,074/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$12,078
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,402
−HK$328/mo
Today · 4.125%
HK$12,730
baseline
▲ 0.50% · 4.625%
HK$13,401
+HK$671/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,460/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$13,958
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,393
−HK$441/mo
Today · 4.125%
HK$14,834
baseline
▲ 0.50% · 4.625%
HK$15,736
+HK$902/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,668/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$15,529
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,945
−HK$423/mo
Today · 4.125%
HK$16,368
baseline
▲ 0.50% · 4.625%
HK$17,230
+HK$862/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,736/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).