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$7,977
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,225
−HK$252/mo
Today · 4.125%
HK$8,477
baseline
▲ 0.50% · 4.625%
HK$8,993
+HK$516/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,954/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$8,874
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,112
−HK$242/mo
Today · 4.125%
HK$9,354
baseline
▲ 0.50% · 4.625%
HK$9,847
+HK$493/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,708/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$9,573
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,870
−HK$303/mo
Today · 4.125%
HK$10,173
baseline
▲ 0.50% · 4.625%
HK$10,792
+HK$619/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,346/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$10,649
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,935
−HK$290/mo
Today · 4.125%
HK$11,225
baseline
▲ 0.50% · 4.625%
HK$11,816
+HK$591/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,450/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$11,168
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,515
−HK$353/mo
Today · 4.125%
HK$11,868
baseline
▲ 0.50% · 4.625%
HK$12,590
+HK$722/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,736/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$12,424
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,757
−HK$338/mo
Today · 4.125%
HK$13,095
baseline
▲ 0.50% · 4.625%
HK$13,786
+HK$691/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,190/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$14,359
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,805
−HK$454/mo
Today · 4.125%
HK$15,259
baseline
▲ 0.50% · 4.625%
HK$16,188
+HK$929/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,518/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$15,974
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,402
−HK$435/mo
Today · 4.125%
HK$16,837
baseline
▲ 0.50% · 4.625%
HK$17,725
+HK$888/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,674/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).