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$7,991
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,240
−HK$252/mo
Today · 4.125%
HK$8,492
baseline
▲ 0.50% · 4.625%
HK$9,009
+HK$517/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,984/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$8,890
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,129
−HK$242/mo
Today · 4.125%
HK$9,371
baseline
▲ 0.50% · 4.625%
HK$9,865
+HK$494/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,742/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$9,590
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,888
−HK$303/mo
Today · 4.125%
HK$10,191
baseline
▲ 0.50% · 4.625%
HK$10,811
+HK$620/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,382/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$10,668
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,954
−HK$291/mo
Today · 4.125%
HK$11,245
baseline
▲ 0.50% · 4.625%
HK$11,837
+HK$592/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,490/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$11,188
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,536
−HK$353/mo
Today · 4.125%
HK$11,889
baseline
▲ 0.50% · 4.625%
HK$12,613
+HK$724/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,778/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$12,446
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,780
−HK$339/mo
Today · 4.125%
HK$13,119
baseline
▲ 0.50% · 4.625%
HK$13,810
+HK$691/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,238/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$14,384
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,832
−HK$454/mo
Today · 4.125%
HK$15,286
baseline
▲ 0.50% · 4.625%
HK$16,217
+HK$931/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,572/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$16,003
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,432
−HK$435/mo
Today · 4.125%
HK$16,867
baseline
▲ 0.50% · 4.625%
HK$17,756
+HK$889/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,734/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).