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$7,991
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,239
−HK$253/mo
Today · 4.125%
HK$8,492
baseline
▲ 0.50% · 4.625%
HK$9,009
+HK$517/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,984/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$8,890
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,128
−HK$242/mo
Today · 4.125%
HK$9,370
baseline
▲ 0.50% · 4.625%
HK$9,864
+HK$494/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,740/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$9,589
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,887
−HK$303/mo
Today · 4.125%
HK$10,190
baseline
▲ 0.50% · 4.625%
HK$10,810
+HK$620/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,380/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$10,668
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,954
−HK$290/mo
Today · 4.125%
HK$11,244
baseline
▲ 0.50% · 4.625%
HK$11,837
+HK$593/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,488/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$11,187
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,535
−HK$354/mo
Today · 4.125%
HK$11,889
baseline
▲ 0.50% · 4.625%
HK$12,612
+HK$723/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,778/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$12,446
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,779
−HK$339/mo
Today · 4.125%
HK$13,118
baseline
▲ 0.50% · 4.625%
HK$13,809
+HK$691/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,236/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$14,383
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,831
−HK$454/mo
Today · 4.125%
HK$15,285
baseline
▲ 0.50% · 4.625%
HK$16,215
+HK$930/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,570/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$16,001
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,431
−HK$435/mo
Today · 4.125%
HK$16,866
baseline
▲ 0.50% · 4.625%
HK$17,755
+HK$889/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,732/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).