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$7,988
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,236
−HK$253/mo
Today · 4.125%
HK$8,489
baseline
▲ 0.50% · 4.625%
HK$9,005
+HK$516/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,978/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$480/mo
▼ 0.25% · 3.875%
HK$9,125
−HK$242/mo
Today · 4.125%
HK$9,367
baseline
▲ 0.50% · 4.625%
HK$9,860
+HK$493/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,734/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$9,586
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,884
−HK$303/mo
Today · 4.125%
HK$10,187
baseline
▲ 0.50% · 4.625%
HK$10,807
+HK$620/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,374/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$10,664
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,950
−HK$290/mo
Today · 4.125%
HK$11,240
baseline
▲ 0.50% · 4.625%
HK$11,832
+HK$592/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,480/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$11,183
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,531
−HK$353/mo
Today · 4.125%
HK$11,884
baseline
▲ 0.50% · 4.625%
HK$12,608
+HK$724/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,768/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$12,441
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,775
−HK$338/mo
Today · 4.125%
HK$13,113
baseline
▲ 0.50% · 4.625%
HK$13,805
+HK$692/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,226/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$14,378
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,826
−HK$454/mo
Today · 4.125%
HK$15,280
baseline
▲ 0.50% · 4.625%
HK$16,210
+HK$930/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,560/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$15,996
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,425
−HK$435/mo
Today · 4.125%
HK$16,860
baseline
▲ 0.50% · 4.625%
HK$17,749
+HK$889/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,720/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).