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$7,985
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,234
−HK$252/mo
Today · 4.125%
HK$8,486
baseline
▲ 0.50% · 4.625%
HK$9,003
+HK$517/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,972/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$8,884
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,122
−HK$242/mo
Today · 4.125%
HK$9,364
baseline
▲ 0.50% · 4.625%
HK$9,857
+HK$493/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,728/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$9,583
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,881
−HK$302/mo
Today · 4.125%
HK$10,183
baseline
▲ 0.50% · 4.625%
HK$10,803
+HK$620/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,366/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$10,661
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,946
−HK$290/mo
Today · 4.125%
HK$11,236
baseline
▲ 0.50% · 4.625%
HK$11,829
+HK$593/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,472/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$11,180
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,527
−HK$354/mo
Today · 4.125%
HK$11,881
baseline
▲ 0.50% · 4.625%
HK$12,604
+HK$723/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,762/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$12,437
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,771
−HK$338/mo
Today · 4.125%
HK$13,109
baseline
▲ 0.50% · 4.625%
HK$13,800
+HK$691/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,218/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$14,374
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,821
−HK$454/mo
Today · 4.125%
HK$15,275
baseline
▲ 0.50% · 4.625%
HK$16,205
+HK$930/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,550/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$15,991
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,420
−HK$435/mo
Today · 4.125%
HK$16,855
baseline
▲ 0.50% · 4.625%
HK$17,743
+HK$888/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,710/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).