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$7,971
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,219
−HK$252/mo
Today · 4.125%
HK$8,471
baseline
▲ 0.50% · 4.625%
HK$8,987
+HK$516/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,942/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$8,868
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,106
−HK$241/mo
Today · 4.125%
HK$9,347
baseline
▲ 0.50% · 4.625%
HK$9,840
+HK$493/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,694/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$9,566
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,863
−HK$302/mo
Today · 4.125%
HK$10,165
baseline
▲ 0.50% · 4.625%
HK$10,784
+HK$619/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,330/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$10,642
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,927
−HK$289/mo
Today · 4.125%
HK$11,216
baseline
▲ 0.50% · 4.625%
HK$11,808
+HK$592/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,432/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$11,160
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,507
−HK$353/mo
Today · 4.125%
HK$11,860
baseline
▲ 0.50% · 4.625%
HK$12,581
+HK$721/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,720/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$12,415
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,748
−HK$338/mo
Today · 4.125%
HK$13,086
baseline
▲ 0.50% · 4.625%
HK$13,776
+HK$690/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,172/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$14,348
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,795
−HK$453/mo
Today · 4.125%
HK$15,248
baseline
▲ 0.50% · 4.625%
HK$16,176
+HK$928/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,496/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$15,962
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,390
−HK$435/mo
Today · 4.125%
HK$16,825
baseline
▲ 0.50% · 4.625%
HK$17,712
+HK$887/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,650/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).