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$7,973
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,221
−HK$252/mo
Today · 4.125%
HK$8,473
baseline
▲ 0.50% · 4.625%
HK$8,988
+HK$515/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,946/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$8,870
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,108
−HK$241/mo
Today · 4.125%
HK$9,349
baseline
▲ 0.50% · 4.625%
HK$9,842
+HK$493/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,698/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$9,567
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,865
−HK$302/mo
Today · 4.125%
HK$10,167
baseline
▲ 0.50% · 4.625%
HK$10,786
+HK$619/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,334/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$10,644
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,929
−HK$290/mo
Today · 4.125%
HK$11,219
baseline
▲ 0.50% · 4.625%
HK$11,810
+HK$591/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,438/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$11,162
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,509
−HK$353/mo
Today · 4.125%
HK$11,862
baseline
▲ 0.50% · 4.625%
HK$12,584
+HK$722/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,724/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$12,418
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,751
−HK$338/mo
Today · 4.125%
HK$13,089
baseline
▲ 0.50% · 4.625%
HK$13,778
+HK$689/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,178/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$14,351
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,798
−HK$453/mo
Today · 4.125%
HK$15,251
baseline
▲ 0.50% · 4.625%
HK$16,179
+HK$928/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,502/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$15,966
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,394
−HK$434/mo
Today · 4.125%
HK$16,828
baseline
▲ 0.50% · 4.625%
HK$17,715
+HK$887/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,656/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).