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$7,970
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,218
−HK$252/mo
Today · 4.125%
HK$8,470
baseline
▲ 0.50% · 4.625%
HK$8,986
+HK$516/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,940/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$8,867
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,105
−HK$241/mo
Today · 4.125%
HK$9,346
baseline
▲ 0.50% · 4.625%
HK$9,839
+HK$493/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,692/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$9,564
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,862
−HK$302/mo
Today · 4.125%
HK$10,164
baseline
▲ 0.50% · 4.625%
HK$10,783
+HK$619/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,328/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$10,640
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,926
−HK$289/mo
Today · 4.125%
HK$11,215
baseline
▲ 0.50% · 4.625%
HK$11,806
+HK$591/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,430/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$11,158
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,506
−HK$352/mo
Today · 4.125%
HK$11,858
baseline
▲ 0.50% · 4.625%
HK$12,580
+HK$722/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,716/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$12,414
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,747
−HK$337/mo
Today · 4.125%
HK$13,084
baseline
▲ 0.50% · 4.625%
HK$13,774
+HK$690/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,168/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$14,347
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,793
−HK$453/mo
Today · 4.125%
HK$15,246
baseline
▲ 0.50% · 4.625%
HK$16,174
+HK$928/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,492/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$15,960
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,389
−HK$434/mo
Today · 4.125%
HK$16,823
baseline
▲ 0.50% · 4.625%
HK$17,710
+HK$887/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,646/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).