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$500/mo
▼ 0.25% · 3.875%
HK$8,213
−HK$252/mo
Today · 4.125%
HK$8,465
baseline
▲ 0.50% · 4.625%
HK$8,980
+HK$515/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,930/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$479/mo
▼ 0.25% · 3.875%
HK$9,099
−HK$241/mo
Today · 4.125%
HK$9,340
baseline
▲ 0.50% · 4.625%
HK$9,833
+HK$493/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,680/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$9,559
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,856
−HK$302/mo
Today · 4.125%
HK$10,158
baseline
▲ 0.50% · 4.625%
HK$10,776
+HK$618/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,316/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$10,634
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,919
−HK$289/mo
Today · 4.125%
HK$11,208
baseline
▲ 0.50% · 4.625%
HK$11,799
+HK$591/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,416/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$11,152
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,499
−HK$352/mo
Today · 4.125%
HK$11,851
baseline
▲ 0.50% · 4.625%
HK$12,572
+HK$721/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,702/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$12,406
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,739
−HK$337/mo
Today · 4.125%
HK$13,076
baseline
▲ 0.50% · 4.625%
HK$13,766
+HK$690/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,152/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$14,338
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,784
−HK$453/mo
Today · 4.125%
HK$15,237
baseline
▲ 0.50% · 4.625%
HK$16,164
+HK$927/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,474/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$15,951
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,378
−HK$434/mo
Today · 4.125%
HK$16,812
baseline
▲ 0.50% · 4.625%
HK$17,699
+HK$887/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,624/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).