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$500/mo
▼ 0.25% · 3.875%
HK$8,233
−HK$252/mo
Today · 4.125%
HK$8,485
baseline
▲ 0.50% · 4.625%
HK$9,002
+HK$517/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,970/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$8,883
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,121
−HK$242/mo
Today · 4.125%
HK$9,363
baseline
▲ 0.50% · 4.625%
HK$9,856
+HK$493/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,726/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$9,582
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,880
−HK$303/mo
Today · 4.125%
HK$10,183
baseline
▲ 0.50% · 4.625%
HK$10,802
+HK$619/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$10,660
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,945
−HK$290/mo
Today · 4.125%
HK$11,235
baseline
▲ 0.50% · 4.625%
HK$11,828
+HK$593/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,470/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$11,179
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,526
−HK$354/mo
Today · 4.125%
HK$11,880
baseline
▲ 0.50% · 4.625%
HK$12,602
+HK$722/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,760/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$12,436
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,770
−HK$338/mo
Today · 4.125%
HK$13,108
baseline
▲ 0.50% · 4.625%
HK$13,799
+HK$691/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,216/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$14,373
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,820
−HK$454/mo
Today · 4.125%
HK$15,274
baseline
▲ 0.50% · 4.625%
HK$16,203
+HK$929/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,548/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$15,989
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,418
−HK$435/mo
Today · 4.125%
HK$16,853
baseline
▲ 0.50% · 4.625%
HK$17,742
+HK$889/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,706/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).