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$7,990
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,239
−HK$252/mo
Today · 4.125%
HK$8,491
baseline
▲ 0.50% · 4.625%
HK$9,008
+HK$517/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,982/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$8,889
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,127
−HK$242/mo
Today · 4.125%
HK$9,369
baseline
▲ 0.50% · 4.625%
HK$9,863
+HK$494/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,738/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$9,588
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,886
−HK$303/mo
Today · 4.125%
HK$10,189
baseline
▲ 0.50% · 4.625%
HK$10,809
+HK$620/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,378/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$10,667
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,953
−HK$290/mo
Today · 4.125%
HK$11,243
baseline
▲ 0.50% · 4.625%
HK$11,836
+HK$593/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,486/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$11,186
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,534
−HK$354/mo
Today · 4.125%
HK$11,888
baseline
▲ 0.50% · 4.625%
HK$12,611
+HK$723/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,776/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$12,445
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,778
−HK$339/mo
Today · 4.125%
HK$13,117
baseline
▲ 0.50% · 4.625%
HK$13,808
+HK$691/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,234/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$14,382
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,830
−HK$454/mo
Today · 4.125%
HK$15,284
baseline
▲ 0.50% · 4.625%
HK$16,214
+HK$930/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,568/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$16,000
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,429
−HK$436/mo
Today · 4.125%
HK$16,865
baseline
▲ 0.50% · 4.625%
HK$17,754
+HK$889/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,730/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).