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$7,972
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,220
−HK$252/mo
Today · 4.125%
HK$8,472
baseline
▲ 0.50% · 4.625%
HK$8,987
+HK$515/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,944/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$8,869
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,106
−HK$242/mo
Today · 4.125%
HK$9,348
baseline
▲ 0.50% · 4.625%
HK$9,840
+HK$492/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,696/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$600/mo
▼ 0.25% · 3.875%
HK$9,864
−HK$302/mo
Today · 4.125%
HK$10,166
baseline
▲ 0.50% · 4.625%
HK$10,785
+HK$619/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,332/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$575/mo
▼ 0.25% · 3.875%
HK$10,928
−HK$289/mo
Today · 4.125%
HK$11,217
baseline
▲ 0.50% · 4.625%
HK$11,809
+HK$592/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,434/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$11,161
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,508
−HK$352/mo
Today · 4.125%
HK$11,860
baseline
▲ 0.50% · 4.625%
HK$12,582
+HK$722/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$12,416
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,749
−HK$338/mo
Today · 4.125%
HK$13,087
baseline
▲ 0.50% · 4.625%
HK$13,777
+HK$690/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,174/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$14,349
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,796
−HK$453/mo
Today · 4.125%
HK$15,249
baseline
▲ 0.50% · 4.625%
HK$16,177
+HK$928/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,498/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$15,963
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,392
−HK$434/mo
Today · 4.125%
HK$16,826
baseline
▲ 0.50% · 4.625%
HK$17,713
+HK$887/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,652/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).