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$7,993
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,241
−HK$253/mo
Today · 4.125%
HK$8,494
baseline
▲ 0.50% · 4.625%
HK$9,011
+HK$517/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,988/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$8,892
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,130
−HK$242/mo
Today · 4.125%
HK$9,372
baseline
▲ 0.50% · 4.625%
HK$9,866
+HK$494/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,744/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$9,591
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,890
−HK$303/mo
Today · 4.125%
HK$10,193
baseline
▲ 0.50% · 4.625%
HK$10,813
+HK$620/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,386/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$10,670
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,956
−HK$291/mo
Today · 4.125%
HK$11,247
baseline
▲ 0.50% · 4.625%
HK$11,840
+HK$593/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,494/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$11,190
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,538
−HK$354/mo
Today · 4.125%
HK$11,892
baseline
▲ 0.50% · 4.625%
HK$12,615
+HK$723/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,784/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$12,449
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,782
−HK$339/mo
Today · 4.125%
HK$13,121
baseline
▲ 0.50% · 4.625%
HK$13,813
+HK$692/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,242/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$14,387
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,834
−HK$455/mo
Today · 4.125%
HK$15,289
baseline
▲ 0.50% · 4.625%
HK$16,219
+HK$930/mo
Deposit HK$351K · loan HK$3.15M · min. income ≈ HK$30,578/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$16,005
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,435
−HK$435/mo
Today · 4.125%
HK$16,870
baseline
▲ 0.50% · 4.625%
HK$17,759
+HK$889/mo
Deposit HK$351K · loan HK$3.15M · min. income ≈ HK$33,740/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).