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$7,749
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,990
−HK$245/mo
Today · 4.125%
HK$8,235
baseline
▲ 0.50% · 4.625%
HK$8,736
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,470/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$8,621
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,852
−HK$235/mo
Today · 4.125%
HK$9,087
baseline
▲ 0.50% · 4.625%
HK$9,566
+HK$479/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,174/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$9,299
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,588
−HK$294/mo
Today · 4.125%
HK$9,882
baseline
▲ 0.50% · 4.625%
HK$10,483
+HK$601/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,764/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$10,345
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,622
−HK$282/mo
Today · 4.125%
HK$10,904
baseline
▲ 0.50% · 4.625%
HK$11,479
+HK$575/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,808/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$10,849
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,186
−HK$343/mo
Today · 4.125%
HK$11,529
baseline
▲ 0.50% · 4.625%
HK$12,231
+HK$702/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,058/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$12,069
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,393
−HK$328/mo
Today · 4.125%
HK$12,721
baseline
▲ 0.50% · 4.625%
HK$13,392
+HK$671/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,442/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$13,948
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,382
−HK$441/mo
Today · 4.125%
HK$14,823
baseline
▲ 0.50% · 4.625%
HK$15,725
+HK$902/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,646/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$15,517
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,934
−HK$422/mo
Today · 4.125%
HK$16,356
baseline
▲ 0.50% · 4.625%
HK$17,218
+HK$862/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,712/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).