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$7,969
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,217
−HK$252/mo
Today · 4.125%
HK$8,469
baseline
▲ 0.50% · 4.625%
HK$8,984
+HK$515/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,938/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$8,865
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,103
−HK$241/mo
Today · 4.125%
HK$9,344
baseline
▲ 0.50% · 4.625%
HK$9,837
+HK$493/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,688/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$9,563
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,860
−HK$302/mo
Today · 4.125%
HK$10,162
baseline
▲ 0.50% · 4.625%
HK$10,781
+HK$619/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,324/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$10,638
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,924
−HK$289/mo
Today · 4.125%
HK$11,213
baseline
▲ 0.50% · 4.625%
HK$11,804
+HK$591/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,426/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$11,157
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,504
−HK$352/mo
Today · 4.125%
HK$11,856
baseline
▲ 0.50% · 4.625%
HK$12,578
+HK$722/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,712/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$12,412
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,744
−HK$338/mo
Today · 4.125%
HK$13,082
baseline
▲ 0.50% · 4.625%
HK$13,772
+HK$690/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,164/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$14,344
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,790
−HK$454/mo
Today · 4.125%
HK$15,244
baseline
▲ 0.50% · 4.625%
HK$16,171
+HK$927/mo
Deposit HK$349K · loan HK$3.15M · min. income ≈ HK$30,488/mo (50% DSR)
Upfront cash ≈ HK$350K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,958
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,386
−HK$434/mo
Today · 4.125%
HK$16,820
baseline
▲ 0.50% · 4.625%
HK$17,706
+HK$886/mo
Deposit HK$349K · loan HK$3.15M · min. income ≈ HK$33,640/mo (50% DSR)
Upfront cash ≈ HK$350K (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).