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$7,961
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,209
−HK$251/mo
Today · 4.125%
HK$8,460
baseline
▲ 0.50% · 4.625%
HK$8,975
+HK$515/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,920/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$8,856
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,094
−HK$241/mo
Today · 4.125%
HK$9,335
baseline
▲ 0.50% · 4.625%
HK$9,827
+HK$492/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,670/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$9,553
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,850
−HK$302/mo
Today · 4.125%
HK$10,152
baseline
▲ 0.50% · 4.625%
HK$10,770
+HK$618/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$20,304/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$10,628
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,913
−HK$289/mo
Today · 4.125%
HK$11,202
baseline
▲ 0.50% · 4.625%
HK$11,792
+HK$590/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$22,404/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$11,145
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,492
−HK$352/mo
Today · 4.125%
HK$11,844
baseline
▲ 0.50% · 4.625%
HK$12,565
+HK$721/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,688/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$12,399
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,732
−HK$337/mo
Today · 4.125%
HK$13,069
baseline
▲ 0.50% · 4.625%
HK$13,758
+HK$689/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,138/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$14,330
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,775
−HK$453/mo
Today · 4.125%
HK$15,228
baseline
▲ 0.50% · 4.625%
HK$16,155
+HK$927/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,456/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$15,942
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,369
−HK$434/mo
Today · 4.125%
HK$16,803
baseline
▲ 0.50% · 4.625%
HK$17,689
+HK$886/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,606/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).