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$8,866
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,104
−HK$241/mo
Today · 4.125%
HK$9,345
baseline
▲ 0.50% · 4.625%
HK$9,837
+HK$492/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,690/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$600/mo
▼ 0.25% · 3.875%
HK$9,861
−HK$302/mo
Today · 4.125%
HK$10,163
baseline
▲ 0.50% · 4.625%
HK$10,781
+HK$618/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,326/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$10,639
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,924
−HK$290/mo
Today · 4.125%
HK$11,214
baseline
▲ 0.50% · 4.625%
HK$11,805
+HK$591/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,428/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$700/mo
▼ 0.25% · 3.875%
HK$11,504
−HK$353/mo
Today · 4.125%
HK$11,857
baseline
▲ 0.50% · 4.625%
HK$12,578
+HK$721/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,714/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$671/mo
▼ 0.25% · 3.875%
HK$12,745
−HK$338/mo
Today · 4.125%
HK$13,083
baseline
▲ 0.50% · 4.625%
HK$13,772
+HK$689/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,166/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$14,345
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,791
−HK$453/mo
Today · 4.125%
HK$15,244
baseline
▲ 0.50% · 4.625%
HK$16,172
+HK$928/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$863/mo
▼ 0.25% · 3.875%
HK$16,386
−HK$435/mo
Today · 4.125%
HK$16,821
baseline
▲ 0.50% · 4.625%
HK$17,707
+HK$886/mo
Deposit HK$349K · loan HK$3.15M · min. income ≈ HK$33,642/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).