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$7,982
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,231
−HK$252/mo
Today · 4.125%
HK$8,483
baseline
▲ 0.50% · 4.625%
HK$8,999
+HK$516/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,966/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$8,880
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,118
−HK$242/mo
Today · 4.125%
HK$9,360
baseline
▲ 0.50% · 4.625%
HK$9,853
+HK$493/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,720/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$9,579
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,877
−HK$302/mo
Today · 4.125%
HK$10,179
baseline
▲ 0.50% · 4.625%
HK$10,799
+HK$620/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,358/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$10,656
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,942
−HK$290/mo
Today · 4.125%
HK$11,232
baseline
▲ 0.50% · 4.625%
HK$11,824
+HK$592/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,464/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$11,175
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,523
−HK$353/mo
Today · 4.125%
HK$11,876
baseline
▲ 0.50% · 4.625%
HK$12,599
+HK$723/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,752/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$12,432
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,766
−HK$338/mo
Today · 4.125%
HK$13,104
baseline
▲ 0.50% · 4.625%
HK$13,795
+HK$691/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,208/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$14,368
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,815
−HK$454/mo
Today · 4.125%
HK$15,269
baseline
▲ 0.50% · 4.625%
HK$16,198
+HK$929/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,538/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$15,984
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,413
−HK$435/mo
Today · 4.125%
HK$16,848
baseline
▲ 0.50% · 4.625%
HK$17,736
+HK$888/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,696/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).