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$7,962
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,210
−HK$251/mo
Today · 4.125%
HK$8,461
baseline
▲ 0.50% · 4.625%
HK$8,976
+HK$515/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,922/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$8,858
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,095
−HK$241/mo
Today · 4.125%
HK$9,336
baseline
▲ 0.50% · 4.625%
HK$9,828
+HK$492/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,672/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$9,554
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,852
−HK$302/mo
Today · 4.125%
HK$10,154
baseline
▲ 0.50% · 4.625%
HK$10,771
+HK$617/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,308/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$10,629
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,914
−HK$289/mo
Today · 4.125%
HK$11,203
baseline
▲ 0.50% · 4.625%
HK$11,794
+HK$591/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,406/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$11,147
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,494
−HK$352/mo
Today · 4.125%
HK$11,846
baseline
▲ 0.50% · 4.625%
HK$12,567
+HK$721/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,692/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$12,401
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,733
−HK$338/mo
Today · 4.125%
HK$13,071
baseline
▲ 0.50% · 4.625%
HK$13,760
+HK$689/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,142/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$14,332
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,777
−HK$453/mo
Today · 4.125%
HK$15,230
baseline
▲ 0.50% · 4.625%
HK$16,157
+HK$927/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,460/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$15,944
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,371
−HK$434/mo
Today · 4.125%
HK$16,805
baseline
▲ 0.50% · 4.625%
HK$17,691
+HK$886/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,610/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).