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$7,967
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,215
−HK$251/mo
Today · 4.125%
HK$8,466
baseline
▲ 0.50% · 4.625%
HK$8,982
+HK$516/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,932/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$8,863
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,101
−HK$241/mo
Today · 4.125%
HK$9,342
baseline
▲ 0.50% · 4.625%
HK$9,834
+HK$492/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,684/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$9,560
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,858
−HK$302/mo
Today · 4.125%
HK$10,160
baseline
▲ 0.50% · 4.625%
HK$10,778
+HK$618/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,320/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$10,636
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,921
−HK$289/mo
Today · 4.125%
HK$11,210
baseline
▲ 0.50% · 4.625%
HK$11,801
+HK$591/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,420/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$11,154
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,501
−HK$352/mo
Today · 4.125%
HK$11,853
baseline
▲ 0.50% · 4.625%
HK$12,574
+HK$721/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,706/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$12,408
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,741
−HK$338/mo
Today · 4.125%
HK$13,079
baseline
▲ 0.50% · 4.625%
HK$13,768
+HK$689/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,158/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$14,340
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,786
−HK$454/mo
Today · 4.125%
HK$15,240
baseline
▲ 0.50% · 4.625%
HK$16,167
+HK$927/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,480/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$15,953
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,381
−HK$434/mo
Today · 4.125%
HK$16,815
baseline
▲ 0.50% · 4.625%
HK$17,702
+HK$887/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,630/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).