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$7,984
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,232
−HK$252/mo
Today · 4.125%
HK$8,484
baseline
▲ 0.50% · 4.625%
HK$9,001
+HK$517/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,968/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$8,882
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,120
−HK$242/mo
Today · 4.125%
HK$9,362
baseline
▲ 0.50% · 4.625%
HK$9,855
+HK$493/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,724/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$9,581
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,879
−HK$302/mo
Today · 4.125%
HK$10,181
baseline
▲ 0.50% · 4.625%
HK$10,801
+HK$620/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,362/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$10,658
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,944
−HK$290/mo
Today · 4.125%
HK$11,234
baseline
▲ 0.50% · 4.625%
HK$11,826
+HK$592/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,468/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$11,177
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,525
−HK$353/mo
Today · 4.125%
HK$11,878
baseline
▲ 0.50% · 4.625%
HK$12,601
+HK$723/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,756/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$12,435
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,768
−HK$338/mo
Today · 4.125%
HK$13,106
baseline
▲ 0.50% · 4.625%
HK$13,797
+HK$691/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,212/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$14,371
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,818
−HK$454/mo
Today · 4.125%
HK$15,272
baseline
▲ 0.50% · 4.625%
HK$16,201
+HK$929/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,544/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$15,987
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,416
−HK$435/mo
Today · 4.125%
HK$16,851
baseline
▲ 0.50% · 4.625%
HK$17,739
+HK$888/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,702/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).