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$7,963
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,211
−HK$252/mo
Today · 4.125%
HK$8,463
baseline
▲ 0.50% · 4.625%
HK$8,978
+HK$515/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,926/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$8,859
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,097
−HK$241/mo
Today · 4.125%
HK$9,338
baseline
▲ 0.50% · 4.625%
HK$9,830
+HK$492/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,676/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$9,556
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,853
−HK$302/mo
Today · 4.125%
HK$10,155
baseline
▲ 0.50% · 4.625%
HK$10,773
+HK$618/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,310/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$10,631
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,916
−HK$289/mo
Today · 4.125%
HK$11,205
baseline
▲ 0.50% · 4.625%
HK$11,796
+HK$591/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,410/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$11,149
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,495
−HK$353/mo
Today · 4.125%
HK$11,848
baseline
▲ 0.50% · 4.625%
HK$12,569
+HK$721/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,696/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$12,403
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,735
−HK$338/mo
Today · 4.125%
HK$13,073
baseline
▲ 0.50% · 4.625%
HK$13,762
+HK$689/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,146/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$14,334
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,780
−HK$453/mo
Today · 4.125%
HK$15,233
baseline
▲ 0.50% · 4.625%
HK$16,160
+HK$927/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,466/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$15,946
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,374
−HK$434/mo
Today · 4.125%
HK$16,808
baseline
▲ 0.50% · 4.625%
HK$17,694
+HK$886/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,616/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).