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$7,966
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,214
−HK$252/mo
Today · 4.125%
HK$8,466
baseline
▲ 0.50% · 4.625%
HK$8,981
+HK$515/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$8,862
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,100
−HK$241/mo
Today · 4.125%
HK$9,341
baseline
▲ 0.50% · 4.625%
HK$9,833
+HK$492/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,682/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$9,559
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,857
−HK$302/mo
Today · 4.125%
HK$10,159
baseline
▲ 0.50% · 4.625%
HK$10,777
+HK$618/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,318/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$10,635
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,920
−HK$289/mo
Today · 4.125%
HK$11,209
baseline
▲ 0.50% · 4.625%
HK$11,800
+HK$591/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,418/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$11,152
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,499
−HK$353/mo
Today · 4.125%
HK$11,852
baseline
▲ 0.50% · 4.625%
HK$12,573
+HK$721/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,704/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$12,407
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,740
−HK$337/mo
Today · 4.125%
HK$13,077
baseline
▲ 0.50% · 4.625%
HK$13,767
+HK$690/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,154/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$14,339
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,785
−HK$453/mo
Today · 4.125%
HK$15,238
baseline
▲ 0.50% · 4.625%
HK$16,165
+HK$927/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,476/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$15,952
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,380
−HK$434/mo
Today · 4.125%
HK$16,814
baseline
▲ 0.50% · 4.625%
HK$17,700
+HK$886/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,628/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).