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$7,981
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,229
−HK$252/mo
Today · 4.125%
HK$8,481
baseline
▲ 0.50% · 4.625%
HK$8,997
+HK$516/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,962/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$8,879
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,117
−HK$241/mo
Today · 4.125%
HK$9,358
baseline
▲ 0.50% · 4.625%
HK$9,852
+HK$494/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,716/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$9,577
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,875
−HK$303/mo
Today · 4.125%
HK$10,178
baseline
▲ 0.50% · 4.625%
HK$10,797
+HK$619/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,356/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$10,654
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,940
−HK$290/mo
Today · 4.125%
HK$11,230
baseline
▲ 0.50% · 4.625%
HK$11,822
+HK$592/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,460/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$11,173
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,521
−HK$353/mo
Today · 4.125%
HK$11,874
baseline
▲ 0.50% · 4.625%
HK$12,596
+HK$722/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,748/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$12,430
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,764
−HK$338/mo
Today · 4.125%
HK$13,102
baseline
▲ 0.50% · 4.625%
HK$13,792
+HK$690/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,204/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$14,366
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,813
−HK$454/mo
Today · 4.125%
HK$15,267
baseline
▲ 0.50% · 4.625%
HK$16,195
+HK$928/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,534/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$15,982
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,410
−HK$435/mo
Today · 4.125%
HK$16,845
baseline
▲ 0.50% · 4.625%
HK$17,733
+HK$888/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,690/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).