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$7,975
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,223
−HK$252/mo
Today · 4.125%
HK$8,475
baseline
▲ 0.50% · 4.625%
HK$8,991
+HK$516/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,950/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$8,872
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,110
−HK$242/mo
Today · 4.125%
HK$9,352
baseline
▲ 0.50% · 4.625%
HK$9,845
+HK$493/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,704/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$9,570
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,868
−HK$302/mo
Today · 4.125%
HK$10,170
baseline
▲ 0.50% · 4.625%
HK$10,789
+HK$619/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,340/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$10,647
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,932
−HK$290/mo
Today · 4.125%
HK$11,222
baseline
▲ 0.50% · 4.625%
HK$11,814
+HK$592/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,444/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$11,165
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,513
−HK$352/mo
Today · 4.125%
HK$11,865
baseline
▲ 0.50% · 4.625%
HK$12,587
+HK$722/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,730/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$12,421
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,754
−HK$338/mo
Today · 4.125%
HK$13,092
baseline
▲ 0.50% · 4.625%
HK$13,782
+HK$690/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,184/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$14,355
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,802
−HK$454/mo
Today · 4.125%
HK$15,256
baseline
▲ 0.50% · 4.625%
HK$16,184
+HK$928/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,512/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$15,970
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,399
−HK$434/mo
Today · 4.125%
HK$16,833
baseline
▲ 0.50% · 4.625%
HK$17,720
+HK$887/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,666/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).