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$7,973
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,221
−HK$251/mo
Today · 4.125%
HK$8,472
baseline
▲ 0.50% · 4.625%
HK$8,988
+HK$516/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,944/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$8,869
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,107
−HK$242/mo
Today · 4.125%
HK$9,349
baseline
▲ 0.50% · 4.625%
HK$9,841
+HK$492/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,698/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$9,567
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,865
−HK$302/mo
Today · 4.125%
HK$10,167
baseline
▲ 0.50% · 4.625%
HK$10,786
+HK$619/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,334/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$10,643
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,929
−HK$289/mo
Today · 4.125%
HK$11,218
baseline
▲ 0.50% · 4.625%
HK$11,810
+HK$592/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,436/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$11,162
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,509
−HK$352/mo
Today · 4.125%
HK$11,861
baseline
▲ 0.50% · 4.625%
HK$12,583
+HK$722/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,722/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$12,417
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,750
−HK$338/mo
Today · 4.125%
HK$13,088
baseline
▲ 0.50% · 4.625%
HK$13,778
+HK$690/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,176/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$14,351
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,797
−HK$453/mo
Today · 4.125%
HK$15,250
baseline
▲ 0.50% · 4.625%
HK$16,178
+HK$928/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,500/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$15,965
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,393
−HK$434/mo
Today · 4.125%
HK$16,827
baseline
▲ 0.50% · 4.625%
HK$17,714
+HK$887/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,654/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).