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$7,998
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,247
−HK$252/mo
Today · 4.125%
HK$8,499
baseline
▲ 0.50% · 4.625%
HK$9,017
+HK$518/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,998/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$8,898
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,136
−HK$242/mo
Today · 4.125%
HK$9,378
baseline
▲ 0.50% · 4.625%
HK$9,873
+HK$495/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,756/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$9,597
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,896
−HK$303/mo
Today · 4.125%
HK$10,199
baseline
▲ 0.50% · 4.625%
HK$10,820
+HK$621/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,398/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$10,677
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,963
−HK$291/mo
Today · 4.125%
HK$11,254
baseline
▲ 0.50% · 4.625%
HK$11,847
+HK$593/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,508/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$11,197
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,545
−HK$354/mo
Today · 4.125%
HK$11,899
baseline
▲ 0.50% · 4.625%
HK$12,623
+HK$724/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,798/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$12,457
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,791
−HK$339/mo
Today · 4.125%
HK$13,130
baseline
▲ 0.50% · 4.625%
HK$13,822
+HK$692/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,260/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$14,396
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,844
−HK$455/mo
Today · 4.125%
HK$15,299
baseline
▲ 0.50% · 4.625%
HK$16,230
+HK$931/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,598/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$16,016
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,445
−HK$436/mo
Today · 4.125%
HK$16,881
baseline
▲ 0.50% · 4.625%
HK$17,771
+HK$890/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,762/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).