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$7,964
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,212
−HK$252/mo
Today · 4.125%
HK$8,464
baseline
▲ 0.50% · 4.625%
HK$8,979
+HK$515/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,928/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$8,860
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,098
−HK$241/mo
Today · 4.125%
HK$9,339
baseline
▲ 0.50% · 4.625%
HK$9,831
+HK$492/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,678/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$9,557
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,854
−HK$302/mo
Today · 4.125%
HK$10,156
baseline
▲ 0.50% · 4.625%
HK$10,774
+HK$618/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,312/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$10,632
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,917
−HK$290/mo
Today · 4.125%
HK$11,207
baseline
▲ 0.50% · 4.625%
HK$11,797
+HK$590/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,414/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$11,150
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,497
−HK$352/mo
Today · 4.125%
HK$11,849
baseline
▲ 0.50% · 4.625%
HK$12,570
+HK$721/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,698/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$12,404
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,737
−HK$337/mo
Today · 4.125%
HK$13,074
baseline
▲ 0.50% · 4.625%
HK$13,763
+HK$689/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,148/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$14,336
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,781
−HK$454/mo
Today · 4.125%
HK$15,235
baseline
▲ 0.50% · 4.625%
HK$16,162
+HK$927/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,470/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$15,948
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,376
−HK$434/mo
Today · 4.125%
HK$16,810
baseline
▲ 0.50% · 4.625%
HK$17,696
+HK$886/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,620/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).