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$7,959
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,207
−HK$251/mo
Today · 4.125%
HK$8,458
baseline
▲ 0.50% · 4.625%
HK$8,973
+HK$515/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,916/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$8,854
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,092
−HK$241/mo
Today · 4.125%
HK$9,333
baseline
▲ 0.50% · 4.625%
HK$9,825
+HK$492/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,666/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$9,551
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,848
−HK$302/mo
Today · 4.125%
HK$10,150
baseline
▲ 0.50% · 4.625%
HK$10,767
+HK$617/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$20,300/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$10,625
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,910
−HK$289/mo
Today · 4.125%
HK$11,199
baseline
▲ 0.50% · 4.625%
HK$11,790
+HK$591/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$22,398/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$11,143
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,489
−HK$352/mo
Today · 4.125%
HK$11,841
baseline
▲ 0.50% · 4.625%
HK$12,562
+HK$721/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,682/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$12,396
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,728
−HK$338/mo
Today · 4.125%
HK$13,066
baseline
▲ 0.50% · 4.625%
HK$13,754
+HK$688/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,132/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$14,326
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,772
−HK$453/mo
Today · 4.125%
HK$15,225
baseline
▲ 0.50% · 4.625%
HK$16,151
+HK$926/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,450/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$15,938
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,365
−HK$434/mo
Today · 4.125%
HK$16,799
baseline
▲ 0.50% · 4.625%
HK$17,684
+HK$885/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,598/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).