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$8,000
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,248
−HK$253/mo
Today · 4.125%
HK$8,501
baseline
▲ 0.50% · 4.625%
HK$9,019
+HK$518/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$17,002/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$8,900
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,138
−HK$242/mo
Today · 4.125%
HK$9,380
baseline
▲ 0.50% · 4.625%
HK$9,875
+HK$495/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,760/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$9,600
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,898
−HK$304/mo
Today · 4.125%
HK$10,202
baseline
▲ 0.50% · 4.625%
HK$10,822
+HK$620/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,404/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$10,679
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,966
−HK$290/mo
Today · 4.125%
HK$11,256
baseline
▲ 0.50% · 4.625%
HK$11,850
+HK$594/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,512/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$11,200
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,548
−HK$354/mo
Today · 4.125%
HK$11,902
baseline
▲ 0.50% · 4.625%
HK$12,626
+HK$724/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,804/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$12,459
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,794
−HK$338/mo
Today · 4.125%
HK$13,132
baseline
▲ 0.50% · 4.625%
HK$13,825
+HK$693/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,264/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$14,399
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,847
−HK$455/mo
Today · 4.125%
HK$15,302
baseline
▲ 0.50% · 4.625%
HK$16,233
+HK$931/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,604/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$16,019
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,449
−HK$436/mo
Today · 4.125%
HK$16,885
baseline
▲ 0.50% · 4.625%
HK$17,775
+HK$890/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,770/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).