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$7,987
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,236
−HK$252/mo
Today · 4.125%
HK$8,488
baseline
▲ 0.50% · 4.625%
HK$9,005
+HK$517/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,976/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$8,886
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,124
−HK$242/mo
Today · 4.125%
HK$9,366
baseline
▲ 0.50% · 4.625%
HK$9,860
+HK$494/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,732/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$9,585
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,883
−HK$303/mo
Today · 4.125%
HK$10,186
baseline
▲ 0.50% · 4.625%
HK$10,806
+HK$620/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,372/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$10,663
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,949
−HK$290/mo
Today · 4.125%
HK$11,239
baseline
▲ 0.50% · 4.625%
HK$11,832
+HK$593/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,478/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$11,182
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,530
−HK$354/mo
Today · 4.125%
HK$11,884
baseline
▲ 0.50% · 4.625%
HK$12,607
+HK$723/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,768/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$12,440
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,774
−HK$338/mo
Today · 4.125%
HK$13,112
baseline
▲ 0.50% · 4.625%
HK$13,804
+HK$692/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,224/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$14,377
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,825
−HK$454/mo
Today · 4.125%
HK$15,279
baseline
▲ 0.50% · 4.625%
HK$16,209
+HK$930/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,558/mo (50% DSR)
Upfront cash ≈ HK$350K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,995
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,424
−HK$435/mo
Today · 4.125%
HK$16,859
baseline
▲ 0.50% · 4.625%
HK$17,747
+HK$888/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,718/mo (50% DSR)
Upfront cash ≈ HK$350K (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).