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$7,995
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,244
−HK$252/mo
Today · 4.125%
HK$8,496
baseline
▲ 0.50% · 4.625%
HK$9,013
+HK$517/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,992/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$8,894
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,133
−HK$242/mo
Today · 4.125%
HK$9,375
baseline
▲ 0.50% · 4.625%
HK$9,869
+HK$494/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,750/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$9,594
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,893
−HK$303/mo
Today · 4.125%
HK$10,196
baseline
▲ 0.50% · 4.625%
HK$10,816
+HK$620/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,392/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$10,673
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,960
−HK$290/mo
Today · 4.125%
HK$11,250
baseline
▲ 0.50% · 4.625%
HK$11,843
+HK$593/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,500/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$11,193
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,541
−HK$354/mo
Today · 4.125%
HK$11,895
baseline
▲ 0.50% · 4.625%
HK$12,619
+HK$724/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,790/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$12,452
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,786
−HK$339/mo
Today · 4.125%
HK$13,125
baseline
▲ 0.50% · 4.625%
HK$13,817
+HK$692/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,250/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$14,391
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,839
−HK$455/mo
Today · 4.125%
HK$15,294
baseline
▲ 0.50% · 4.625%
HK$16,224
+HK$930/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,588/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$16,010
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,439
−HK$436/mo
Today · 4.125%
HK$16,875
baseline
▲ 0.50% · 4.625%
HK$17,764
+HK$889/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,750/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).