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$7,998
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,247
−HK$253/mo
Today · 4.125%
HK$8,500
baseline
▲ 0.50% · 4.625%
HK$9,017
+HK$517/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$17,000/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$8,898
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,137
−HK$242/mo
Today · 4.125%
HK$9,379
baseline
▲ 0.50% · 4.625%
HK$9,873
+HK$494/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,758/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$9,598
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,897
−HK$303/mo
Today · 4.125%
HK$10,200
baseline
▲ 0.50% · 4.625%
HK$10,821
+HK$621/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,400/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$10,678
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,964
−HK$291/mo
Today · 4.125%
HK$11,255
baseline
▲ 0.50% · 4.625%
HK$11,848
+HK$593/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,510/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$11,198
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,546
−HK$354/mo
Today · 4.125%
HK$11,900
baseline
▲ 0.50% · 4.625%
HK$12,624
+HK$724/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,800/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$12,457
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,792
−HK$338/mo
Today · 4.125%
HK$13,130
baseline
▲ 0.50% · 4.625%
HK$13,823
+HK$693/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,260/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$14,397
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,845
−HK$455/mo
Today · 4.125%
HK$15,300
baseline
▲ 0.50% · 4.625%
HK$16,231
+HK$931/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,600/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$16,017
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,446
−HK$436/mo
Today · 4.125%
HK$16,882
baseline
▲ 0.50% · 4.625%
HK$17,772
+HK$890/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,764/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).