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$7,963
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,211
−HK$251/mo
Today · 4.125%
HK$8,462
baseline
▲ 0.50% · 4.625%
HK$8,977
+HK$515/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,924/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$8,859
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,096
−HK$241/mo
Today · 4.125%
HK$9,337
baseline
▲ 0.50% · 4.625%
HK$9,830
+HK$493/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,674/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$9,556
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,853
−HK$302/mo
Today · 4.125%
HK$10,155
baseline
▲ 0.50% · 4.625%
HK$10,773
+HK$618/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,310/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$10,631
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,916
−HK$289/mo
Today · 4.125%
HK$11,205
baseline
▲ 0.50% · 4.625%
HK$11,796
+HK$591/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,410/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$11,148
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,495
−HK$352/mo
Today · 4.125%
HK$11,847
baseline
▲ 0.50% · 4.625%
HK$12,568
+HK$721/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,694/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$12,402
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,735
−HK$337/mo
Today · 4.125%
HK$13,072
baseline
▲ 0.50% · 4.625%
HK$13,762
+HK$690/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,144/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$14,334
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,779
−HK$453/mo
Today · 4.125%
HK$15,232
baseline
▲ 0.50% · 4.625%
HK$16,159
+HK$927/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,464/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$15,946
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,374
−HK$433/mo
Today · 4.125%
HK$16,807
baseline
▲ 0.50% · 4.625%
HK$17,693
+HK$886/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,614/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).