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$8,002
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,251
−HK$253/mo
Today · 4.125%
HK$8,504
baseline
▲ 0.50% · 4.625%
HK$9,022
+HK$518/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$17,008/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$8,902
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,141
−HK$242/mo
Today · 4.125%
HK$9,383
baseline
▲ 0.50% · 4.625%
HK$9,878
+HK$495/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,766/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$9,603
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,901
−HK$304/mo
Today · 4.125%
HK$10,205
baseline
▲ 0.50% · 4.625%
HK$10,826
+HK$621/mo
Deposit HK$1.40M · loan HK$2.11M · min. income ≈ HK$20,410/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$10,683
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,969
−HK$291/mo
Today · 4.125%
HK$11,260
baseline
▲ 0.50% · 4.625%
HK$11,854
+HK$594/mo
Deposit HK$1.40M · loan HK$2.11M · min. income ≈ HK$22,520/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$11,203
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,552
−HK$354/mo
Today · 4.125%
HK$11,906
baseline
▲ 0.50% · 4.625%
HK$12,630
+HK$724/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,812/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$12,463
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,798
−HK$339/mo
Today · 4.125%
HK$13,137
baseline
▲ 0.50% · 4.625%
HK$13,829
+HK$692/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,274/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$14,404
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,852
−HK$455/mo
Today · 4.125%
HK$15,307
baseline
▲ 0.50% · 4.625%
HK$16,239
+HK$932/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,614/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$16,024
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,454
−HK$436/mo
Today · 4.125%
HK$16,890
baseline
▲ 0.50% · 4.625%
HK$17,780
+HK$890/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,780/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).