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$7,994
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,243
−HK$252/mo
Today · 4.125%
HK$8,495
baseline
▲ 0.50% · 4.625%
HK$9,012
+HK$517/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,990/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$8,893
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,132
−HK$242/mo
Today · 4.125%
HK$9,374
baseline
▲ 0.50% · 4.625%
HK$9,868
+HK$494/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,748/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$9,593
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,891
−HK$303/mo
Today · 4.125%
HK$10,194
baseline
▲ 0.50% · 4.625%
HK$10,815
+HK$621/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,388/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$10,672
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,958
−HK$291/mo
Today · 4.125%
HK$11,249
baseline
▲ 0.50% · 4.625%
HK$11,842
+HK$593/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,498/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$11,192
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,540
−HK$354/mo
Today · 4.125%
HK$11,894
baseline
▲ 0.50% · 4.625%
HK$12,617
+HK$723/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,788/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$12,451
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,785
−HK$338/mo
Today · 4.125%
HK$13,123
baseline
▲ 0.50% · 4.625%
HK$13,815
+HK$692/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,246/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$14,389
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,837
−HK$455/mo
Today · 4.125%
HK$15,292
baseline
▲ 0.50% · 4.625%
HK$16,222
+HK$930/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,584/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,008
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,437
−HK$436/mo
Today · 4.125%
HK$16,873
baseline
▲ 0.50% · 4.625%
HK$17,762
+HK$889/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,746/mo (50% DSR)
Upfront cash ≈ HK$351K (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).