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$501/mo
▼ 0.25% · 3.875%
HK$8,223
−HK$253/mo
Today · 4.125%
HK$8,476
baseline
▲ 0.50% · 4.625%
HK$8,991
+HK$515/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$479/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$601/mo
▼ 0.25% · 3.875%
HK$9,868
−HK$303/mo
Today · 4.125%
HK$10,171
baseline
▲ 0.50% · 4.625%
HK$10,789
+HK$618/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$10,647
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,933
−HK$289/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$11,166
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,513
−HK$353/mo
Today · 4.125%
HK$11,866
baseline
▲ 0.50% · 4.625%
HK$12,588
+HK$722/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,732/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$671/mo
▼ 0.25% · 3.875%
HK$12,755
−HK$338/mo
Today · 4.125%
HK$13,093
baseline
▲ 0.50% · 4.625%
HK$13,783
+HK$690/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,186/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$14,356
−HK$900/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$15,971
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,399
−HK$434/mo
Today · 4.125%
HK$16,833
baseline
▲ 0.50% · 4.625%
HK$17,721
+HK$888/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).