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$7,989
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,237
−HK$253/mo
Today · 4.125%
HK$8,490
baseline
▲ 0.50% · 4.625%
HK$9,006
+HK$516/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,980/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$8,887
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,126
−HK$242/mo
Today · 4.125%
HK$9,368
baseline
▲ 0.50% · 4.625%
HK$9,861
+HK$493/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,736/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$9,587
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,885
−HK$303/mo
Today · 4.125%
HK$10,188
baseline
▲ 0.50% · 4.625%
HK$10,808
+HK$620/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,376/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$10,665
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,951
−HK$290/mo
Today · 4.125%
HK$11,241
baseline
▲ 0.50% · 4.625%
HK$11,834
+HK$593/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,482/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$11,184
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,532
−HK$354/mo
Today · 4.125%
HK$11,886
baseline
▲ 0.50% · 4.625%
HK$12,609
+HK$723/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,772/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$12,442
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,776
−HK$339/mo
Today · 4.125%
HK$13,115
baseline
▲ 0.50% · 4.625%
HK$13,806
+HK$691/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,230/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$14,380
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,827
−HK$455/mo
Today · 4.125%
HK$15,282
baseline
▲ 0.50% · 4.625%
HK$16,211
+HK$929/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,564/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$15,997
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,427
−HK$435/mo
Today · 4.125%
HK$16,862
baseline
▲ 0.50% · 4.625%
HK$17,751
+HK$889/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,724/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).