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$500/mo
▼ 0.25% · 3.875%
HK$8,207
−HK$252/mo
Today · 4.125%
HK$8,459
baseline
▲ 0.50% · 4.625%
HK$8,973
+HK$514/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,918/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$8,855
−HK$478/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$10,768
+HK$618/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$10,626
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,911
−HK$289/mo
Today · 4.125%
HK$11,200
baseline
▲ 0.50% · 4.625%
HK$11,790
+HK$590/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$22,400/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$699/mo
▼ 0.25% · 3.875%
HK$11,490
−HK$352/mo
Today · 4.125%
HK$11,842
baseline
▲ 0.50% · 4.625%
HK$12,563
+HK$721/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,684/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$12,397
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,729
−HK$337/mo
Today · 4.125%
HK$13,066
baseline
▲ 0.50% · 4.625%
HK$13,755
+HK$689/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$14,327
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,773
−HK$452/mo
Today · 4.125%
HK$15,225
baseline
▲ 0.50% · 4.625%
HK$16,152
+HK$927/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$15,939
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,366
−HK$434/mo
Today · 4.125%
HK$16,800
baseline
▲ 0.50% · 4.625%
HK$17,685
+HK$885/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,600/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).