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$7,965
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,213
−HK$251/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$8,861
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,098
−HK$241/mo
Today · 4.125%
HK$9,339
baseline
▲ 0.50% · 4.625%
HK$9,832
+HK$493/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$9,558
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,855
−HK$302/mo
Today · 4.125%
HK$10,157
baseline
▲ 0.50% · 4.625%
HK$10,775
+HK$618/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,314/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$10,633
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,918
−HK$289/mo
Today · 4.125%
HK$11,207
baseline
▲ 0.50% · 4.625%
HK$11,798
+HK$591/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$11,151
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,498
−HK$352/mo
Today · 4.125%
HK$11,850
baseline
▲ 0.50% · 4.625%
HK$12,571
+HK$721/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,700/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$12,405
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,738
−HK$337/mo
Today · 4.125%
HK$13,075
baseline
▲ 0.50% · 4.625%
HK$13,764
+HK$689/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,150/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$14,337
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,783
−HK$453/mo
Today · 4.125%
HK$15,236
baseline
▲ 0.50% · 4.625%
HK$16,163
+HK$927/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,472/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$15,949
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,377
−HK$434/mo
Today · 4.125%
HK$16,811
baseline
▲ 0.50% · 4.625%
HK$17,697
+HK$886/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,622/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).