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$7,976
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,224
−HK$252/mo
Today · 4.125%
HK$8,476
baseline
▲ 0.50% · 4.625%
HK$8,992
+HK$516/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,952/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$8,873
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,111
−HK$242/mo
Today · 4.125%
HK$9,353
baseline
▲ 0.50% · 4.625%
HK$9,845
+HK$492/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,706/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$9,571
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,869
−HK$302/mo
Today · 4.125%
HK$10,171
baseline
▲ 0.50% · 4.625%
HK$10,790
+HK$619/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,342/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$10,648
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,933
−HK$290/mo
Today · 4.125%
HK$11,223
baseline
▲ 0.50% · 4.625%
HK$11,815
+HK$592/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,446/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$11,166
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,514
−HK$353/mo
Today · 4.125%
HK$11,867
baseline
▲ 0.50% · 4.625%
HK$12,589
+HK$722/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,734/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$12,422
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,756
−HK$338/mo
Today · 4.125%
HK$13,094
baseline
▲ 0.50% · 4.625%
HK$13,784
+HK$690/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,188/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$14,357
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,803
−HK$454/mo
Today · 4.125%
HK$15,257
baseline
▲ 0.50% · 4.625%
HK$16,185
+HK$928/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,514/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$15,972
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,400
−HK$435/mo
Today · 4.125%
HK$16,835
baseline
▲ 0.50% · 4.625%
HK$17,722
+HK$887/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,670/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).