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$7,980
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,228
−HK$253/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$8,878
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,116
−HK$242/mo
Today · 4.125%
HK$9,358
baseline
▲ 0.50% · 4.625%
HK$9,851
+HK$493/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$9,576
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,874
−HK$303/mo
Today · 4.125%
HK$10,177
baseline
▲ 0.50% · 4.625%
HK$10,796
+HK$619/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,354/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$10,653
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,939
−HK$290/mo
Today · 4.125%
HK$11,229
baseline
▲ 0.50% · 4.625%
HK$11,821
+HK$592/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,458/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$11,172
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,520
−HK$353/mo
Today · 4.125%
HK$11,873
baseline
▲ 0.50% · 4.625%
HK$12,595
+HK$722/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,746/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$12,429
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,762
−HK$339/mo
Today · 4.125%
HK$13,101
baseline
▲ 0.50% · 4.625%
HK$13,791
+HK$690/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,202/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$14,364
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,811
−HK$454/mo
Today · 4.125%
HK$15,265
baseline
▲ 0.50% · 4.625%
HK$16,194
+HK$929/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,530/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$15,980
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,409
−HK$435/mo
Today · 4.125%
HK$16,844
baseline
▲ 0.50% · 4.625%
HK$17,731
+HK$887/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,688/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).