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$500/mo
▼ 0.25% · 3.875%
HK$8,215
−HK$252/mo
Today · 4.125%
HK$8,467
baseline
▲ 0.50% · 4.625%
HK$8,982
+HK$515/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,934/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$9,835
+HK$493/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$9,561
−HK$599/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$575/mo
▼ 0.25% · 3.875%
HK$10,921
−HK$290/mo
Today · 4.125%
HK$11,211
baseline
▲ 0.50% · 4.625%
HK$11,802
+HK$591/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,422/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$700/mo
▼ 0.25% · 3.875%
HK$11,501
−HK$353/mo
Today · 4.125%
HK$11,854
baseline
▲ 0.50% · 4.625%
HK$12,575
+HK$721/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,708/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$12,409
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,742
−HK$337/mo
Today · 4.125%
HK$13,079
baseline
▲ 0.50% · 4.625%
HK$13,769
+HK$690/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$14,341
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,787
−HK$453/mo
Today · 4.125%
HK$15,240
baseline
▲ 0.50% · 4.625%
HK$16,168
+HK$928/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,480/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$15,954
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,382
−HK$434/mo
Today · 4.125%
HK$16,816
baseline
▲ 0.50% · 4.625%
HK$17,703
+HK$887/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,632/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).