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$7,962
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,209
−HK$252/mo
Today · 4.125%
HK$8,461
baseline
▲ 0.50% · 4.625%
HK$8,976
+HK$515/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,922/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$8,857
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,095
−HK$241/mo
Today · 4.125%
HK$9,336
baseline
▲ 0.50% · 4.625%
HK$9,828
+HK$492/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,672/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$9,554
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,851
−HK$302/mo
Today · 4.125%
HK$10,153
baseline
▲ 0.50% · 4.625%
HK$10,771
+HK$618/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$20,306/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$10,629
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,914
−HK$289/mo
Today · 4.125%
HK$11,203
baseline
▲ 0.50% · 4.625%
HK$11,793
+HK$590/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$22,406/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$11,146
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,493
−HK$352/mo
Today · 4.125%
HK$11,845
baseline
▲ 0.50% · 4.625%
HK$12,566
+HK$721/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,690/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$12,400
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,733
−HK$337/mo
Today · 4.125%
HK$13,070
baseline
▲ 0.50% · 4.625%
HK$13,759
+HK$689/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,140/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$14,331
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,777
−HK$453/mo
Today · 4.125%
HK$15,230
baseline
▲ 0.50% · 4.625%
HK$16,156
+HK$926/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,460/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$15,943
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,371
−HK$433/mo
Today · 4.125%
HK$16,804
baseline
▲ 0.50% · 4.625%
HK$17,690
+HK$886/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,608/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).