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$7,968
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,216
−HK$252/mo
Today · 4.125%
HK$8,468
baseline
▲ 0.50% · 4.625%
HK$8,983
+HK$515/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,936/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$8,864
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,102
−HK$241/mo
Today · 4.125%
HK$9,343
baseline
▲ 0.50% · 4.625%
HK$9,836
+HK$493/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,686/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$9,562
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,859
−HK$302/mo
Today · 4.125%
HK$10,161
baseline
▲ 0.50% · 4.625%
HK$10,779
+HK$618/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,322/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$10,637
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,922
−HK$290/mo
Today · 4.125%
HK$11,212
baseline
▲ 0.50% · 4.625%
HK$11,803
+HK$591/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,424/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$11,155
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,502
−HK$353/mo
Today · 4.125%
HK$11,855
baseline
▲ 0.50% · 4.625%
HK$12,576
+HK$721/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,710/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$12,410
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,743
−HK$337/mo
Today · 4.125%
HK$13,080
baseline
▲ 0.50% · 4.625%
HK$13,770
+HK$690/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,160/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$14,342
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,788
−HK$454/mo
Today · 4.125%
HK$15,242
baseline
▲ 0.50% · 4.625%
HK$16,169
+HK$927/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,484/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$15,956
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,384
−HK$434/mo
Today · 4.125%
HK$16,818
baseline
▲ 0.50% · 4.625%
HK$17,704
+HK$886/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,636/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).