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$7,999
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,248
−HK$252/mo
Today · 4.125%
HK$8,500
baseline
▲ 0.50% · 4.625%
HK$9,018
+HK$518/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$8,899
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,137
−HK$242/mo
Today · 4.125%
HK$9,379
baseline
▲ 0.50% · 4.625%
HK$9,874
+HK$495/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$10,965
−HK$290/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$11,547
−HK$353/mo
Today · 4.125%
HK$11,900
baseline
▲ 0.50% · 4.625%
HK$12,625
+HK$725/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$12,458
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,792
−HK$339/mo
Today · 4.125%
HK$13,131
baseline
▲ 0.50% · 4.625%
HK$13,823
+HK$692/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,262/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$14,398
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,846
−HK$455/mo
Today · 4.125%
HK$15,301
baseline
▲ 0.50% · 4.625%
HK$16,232
+HK$931/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,602/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$866/mo
▼ 0.25% · 3.875%
HK$16,447
−HK$436/mo
Today · 4.125%
HK$16,883
baseline
▲ 0.50% · 4.625%
HK$17,773
+HK$890/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,766/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).