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$7,992
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,241
−HK$252/mo
Today · 4.125%
HK$8,493
baseline
▲ 0.50% · 4.625%
HK$9,010
+HK$517/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,986/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$8,891
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,130
−HK$241/mo
Today · 4.125%
HK$9,371
baseline
▲ 0.50% · 4.625%
HK$9,865
+HK$494/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,742/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$9,590
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,889
−HK$303/mo
Today · 4.125%
HK$10,192
baseline
▲ 0.50% · 4.625%
HK$10,812
+HK$620/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,384/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$10,669
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,955
−HK$291/mo
Today · 4.125%
HK$11,246
baseline
▲ 0.50% · 4.625%
HK$11,838
+HK$592/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,492/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$11,189
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,537
−HK$353/mo
Today · 4.125%
HK$11,890
baseline
▲ 0.50% · 4.625%
HK$12,614
+HK$724/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,780/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$12,447
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,781
−HK$339/mo
Today · 4.125%
HK$13,120
baseline
▲ 0.50% · 4.625%
HK$13,812
+HK$692/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,240/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$14,386
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,833
−HK$455/mo
Today · 4.125%
HK$15,288
baseline
▲ 0.50% · 4.625%
HK$16,218
+HK$930/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,576/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$16,004
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,433
−HK$436/mo
Today · 4.125%
HK$16,869
baseline
▲ 0.50% · 4.625%
HK$17,758
+HK$889/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,738/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).