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$7,982
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,230
−HK$252/mo
Today · 4.125%
HK$8,482
baseline
▲ 0.50% · 4.625%
HK$8,998
+HK$516/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,964/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$8,879
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,118
−HK$241/mo
Today · 4.125%
HK$9,359
baseline
▲ 0.50% · 4.625%
HK$9,853
+HK$494/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,718/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$9,578
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,876
−HK$303/mo
Today · 4.125%
HK$10,179
baseline
▲ 0.50% · 4.625%
HK$10,798
+HK$619/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,358/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$10,655
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,941
−HK$290/mo
Today · 4.125%
HK$11,231
baseline
▲ 0.50% · 4.625%
HK$11,823
+HK$592/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,462/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$11,174
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,522
−HK$353/mo
Today · 4.125%
HK$11,875
baseline
▲ 0.50% · 4.625%
HK$12,598
+HK$723/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,750/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$12,431
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,765
−HK$338/mo
Today · 4.125%
HK$13,103
baseline
▲ 0.50% · 4.625%
HK$13,794
+HK$691/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,206/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$14,367
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,814
−HK$454/mo
Today · 4.125%
HK$15,268
baseline
▲ 0.50% · 4.625%
HK$16,197
+HK$929/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,536/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$15,983
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,412
−HK$435/mo
Today · 4.125%
HK$16,847
baseline
▲ 0.50% · 4.625%
HK$17,735
+HK$888/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,694/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).