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$8,003
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,252
−HK$253/mo
Today · 4.125%
HK$8,505
baseline
▲ 0.50% · 4.625%
HK$9,022
+HK$517/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$17,010/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$8,903
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,142
−HK$242/mo
Today · 4.125%
HK$9,384
baseline
▲ 0.50% · 4.625%
HK$9,879
+HK$495/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,768/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$9,604
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,902
−HK$304/mo
Today · 4.125%
HK$10,206
baseline
▲ 0.50% · 4.625%
HK$10,827
+HK$621/mo
Deposit HK$1.40M · loan HK$2.11M · min. income ≈ HK$20,412/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$10,684
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,970
−HK$291/mo
Today · 4.125%
HK$11,261
baseline
▲ 0.50% · 4.625%
HK$11,855
+HK$594/mo
Deposit HK$1.40M · loan HK$2.11M · min. income ≈ HK$22,522/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$11,204
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,553
−HK$354/mo
Today · 4.125%
HK$11,907
baseline
▲ 0.50% · 4.625%
HK$12,631
+HK$724/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,814/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$12,464
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,799
−HK$339/mo
Today · 4.125%
HK$13,138
baseline
▲ 0.50% · 4.625%
HK$13,830
+HK$692/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,276/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$14,405
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,853
−HK$456/mo
Today · 4.125%
HK$15,309
baseline
▲ 0.50% · 4.625%
HK$16,240
+HK$931/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,618/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$16,026
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,456
−HK$436/mo
Today · 4.125%
HK$16,892
baseline
▲ 0.50% · 4.625%
HK$17,782
+HK$890/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,784/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).