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$502/mo
▼ 0.25% · 3.875%
HK$8,249
−HK$253/mo
Today · 4.125%
HK$8,502
baseline
▲ 0.50% · 4.625%
HK$9,019
+HK$517/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$17,004/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$481/mo
▼ 0.25% · 3.875%
HK$9,139
−HK$242/mo
Today · 4.125%
HK$9,381
baseline
▲ 0.50% · 4.625%
HK$9,875
+HK$494/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,762/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$9,899
−HK$303/mo
Today · 4.125%
HK$10,202
baseline
▲ 0.50% · 4.625%
HK$10,823
+HK$621/mo
Deposit HK$1.40M · loan HK$2.11M · 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$10,680
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,967
−HK$290/mo
Today · 4.125%
HK$11,257
baseline
▲ 0.50% · 4.625%
HK$11,850
+HK$593/mo
Deposit HK$1.40M · loan HK$2.11M · min. income ≈ HK$22,514/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$703/mo
▼ 0.25% · 3.875%
HK$11,549
−HK$354/mo
Today · 4.125%
HK$11,903
baseline
▲ 0.50% · 4.625%
HK$12,627
+HK$724/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,806/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$12,460
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,794
−HK$339/mo
Today · 4.125%
HK$13,133
baseline
▲ 0.50% · 4.625%
HK$13,826
+HK$693/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,266/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$14,400
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,848
−HK$455/mo
Today · 4.125%
HK$15,303
baseline
▲ 0.50% · 4.625%
HK$16,234
+HK$931/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,606/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$16,020
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,450
−HK$436/mo
Today · 4.125%
HK$16,886
baseline
▲ 0.50% · 4.625%
HK$17,776
+HK$890/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,772/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).