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$8,001
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,250
−HK$253/mo
Today · 4.125%
HK$8,503
baseline
▲ 0.50% · 4.625%
HK$9,020
+HK$517/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$17,006/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$8,901
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,140
−HK$242/mo
Today · 4.125%
HK$9,382
baseline
▲ 0.50% · 4.625%
HK$9,876
+HK$494/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,764/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$9,601
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,900
−HK$303/mo
Today · 4.125%
HK$10,203
baseline
▲ 0.50% · 4.625%
HK$10,824
+HK$621/mo
Deposit HK$1.40M · loan HK$2.11M · min. income ≈ HK$20,406/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$10,681
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,968
−HK$290/mo
Today · 4.125%
HK$11,258
baseline
▲ 0.50% · 4.625%
HK$11,852
+HK$594/mo
Deposit HK$1.40M · loan HK$2.11M · min. income ≈ HK$22,516/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$11,201
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,550
−HK$354/mo
Today · 4.125%
HK$11,904
baseline
▲ 0.50% · 4.625%
HK$12,628
+HK$724/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,808/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$12,461
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,796
−HK$339/mo
Today · 4.125%
HK$13,135
baseline
▲ 0.50% · 4.625%
HK$13,827
+HK$692/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,270/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$14,402
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,850
−HK$455/mo
Today · 4.125%
HK$15,305
baseline
▲ 0.50% · 4.625%
HK$16,236
+HK$931/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,610/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$16,022
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,451
−HK$436/mo
Today · 4.125%
HK$16,887
baseline
▲ 0.50% · 4.625%
HK$17,778
+HK$891/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,774/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).