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$7,997
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,246
−HK$252/mo
Today · 4.125%
HK$8,498
baseline
▲ 0.50% · 4.625%
HK$9,015
+HK$517/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,996/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$8,896
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,135
−HK$242/mo
Today · 4.125%
HK$9,377
baseline
▲ 0.50% · 4.625%
HK$9,871
+HK$494/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,754/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$9,596
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,895
−HK$303/mo
Today · 4.125%
HK$10,198
baseline
▲ 0.50% · 4.625%
HK$10,819
+HK$621/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,396/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$10,676
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,962
−HK$291/mo
Today · 4.125%
HK$11,253
baseline
▲ 0.50% · 4.625%
HK$11,846
+HK$593/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,506/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$11,196
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,544
−HK$354/mo
Today · 4.125%
HK$11,898
baseline
▲ 0.50% · 4.625%
HK$12,622
+HK$724/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,796/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$12,455
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,789
−HK$339/mo
Today · 4.125%
HK$13,128
baseline
▲ 0.50% · 4.625%
HK$13,820
+HK$692/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,256/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$14,394
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,842
−HK$455/mo
Today · 4.125%
HK$15,297
baseline
▲ 0.50% · 4.625%
HK$16,228
+HK$931/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,594/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$16,014
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,443
−HK$436/mo
Today · 4.125%
HK$16,879
baseline
▲ 0.50% · 4.625%
HK$17,769
+HK$890/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,758/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).