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$7,978
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,226
−HK$252/mo
Today · 4.125%
HK$8,478
baseline
▲ 0.50% · 4.625%
HK$8,994
+HK$516/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,956/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$8,875
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,114
−HK$241/mo
Today · 4.125%
HK$9,355
baseline
▲ 0.50% · 4.625%
HK$9,848
+HK$493/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,710/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$9,574
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,871
−HK$303/mo
Today · 4.125%
HK$10,174
baseline
▲ 0.50% · 4.625%
HK$10,793
+HK$619/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,348/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$10,651
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,936
−HK$290/mo
Today · 4.125%
HK$11,226
baseline
▲ 0.50% · 4.625%
HK$11,818
+HK$592/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,452/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$11,169
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,517
−HK$353/mo
Today · 4.125%
HK$11,870
baseline
▲ 0.50% · 4.625%
HK$12,592
+HK$722/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,740/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$12,426
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,759
−HK$338/mo
Today · 4.125%
HK$13,097
baseline
▲ 0.50% · 4.625%
HK$13,787
+HK$690/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,194/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$14,360
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,807
−HK$454/mo
Today · 4.125%
HK$15,261
baseline
▲ 0.50% · 4.625%
HK$16,190
+HK$929/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,522/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$15,976
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,404
−HK$435/mo
Today · 4.125%
HK$16,839
baseline
▲ 0.50% · 4.625%
HK$17,727
+HK$888/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,678/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).