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$7,983
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,232
−HK$252/mo
Today · 4.125%
HK$8,484
baseline
▲ 0.50% · 4.625%
HK$9,000
+HK$516/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$8,881
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,119
−HK$242/mo
Today · 4.125%
HK$9,361
baseline
▲ 0.50% · 4.625%
HK$9,855
+HK$494/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,722/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$9,580
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,878
−HK$303/mo
Today · 4.125%
HK$10,181
baseline
▲ 0.50% · 4.625%
HK$10,800
+HK$619/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$575/mo
▼ 0.25% · 3.875%
HK$10,943
−HK$290/mo
Today · 4.125%
HK$11,233
baseline
▲ 0.50% · 4.625%
HK$11,825
+HK$592/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,466/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$700/mo
▼ 0.25% · 3.875%
HK$11,524
−HK$353/mo
Today · 4.125%
HK$11,877
baseline
▲ 0.50% · 4.625%
HK$12,600
+HK$723/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,754/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$12,434
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,767
−HK$339/mo
Today · 4.125%
HK$13,106
baseline
▲ 0.50% · 4.625%
HK$13,796
+HK$690/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$14,370
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,817
−HK$454/mo
Today · 4.125%
HK$15,271
baseline
▲ 0.50% · 4.625%
HK$16,200
+HK$929/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,542/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$15,986
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,415
−HK$435/mo
Today · 4.125%
HK$16,850
baseline
▲ 0.50% · 4.625%
HK$17,738
+HK$888/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,700/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).