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$7,960
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,208
−HK$251/mo
Today · 4.125%
HK$8,459
baseline
▲ 0.50% · 4.625%
HK$8,974
+HK$515/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,918/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,856
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,093
−HK$241/mo
Today · 4.125%
HK$9,334
baseline
▲ 0.50% · 4.625%
HK$9,826
+HK$492/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,668/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,552
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,849
−HK$302/mo
Today · 4.125%
HK$10,151
baseline
▲ 0.50% · 4.625%
HK$10,769
+HK$618/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$20,302/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,627
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,912
−HK$289/mo
Today · 4.125%
HK$11,201
baseline
▲ 0.50% · 4.625%
HK$11,791
+HK$590/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$22,402/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,144
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,491
−HK$352/mo
Today · 4.125%
HK$11,843
baseline
▲ 0.50% · 4.625%
HK$12,564
+HK$721/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,686/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,398
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,730
−HK$338/mo
Today · 4.125%
HK$13,068
baseline
▲ 0.50% · 4.625%
HK$13,756
+HK$688/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,136/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,328
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,774
−HK$453/mo
Today · 4.125%
HK$15,227
baseline
▲ 0.50% · 4.625%
HK$16,153
+HK$926/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,454/mo (50% DSR)
Upfront cash ≈ HK$349K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,940
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,367
−HK$434/mo
Today · 4.125%
HK$16,801
baseline
▲ 0.50% · 4.625%
HK$17,687
+HK$886/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,602/mo (50% DSR)
Upfront cash ≈ HK$349K (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).