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$7,988
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,237
−HK$252/mo
Today · 4.125%
HK$8,489
baseline
▲ 0.50% · 4.625%
HK$9,006
+HK$517/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,978/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$8,887
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,125
−HK$242/mo
Today · 4.125%
HK$9,367
baseline
▲ 0.50% · 4.625%
HK$9,861
+HK$494/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,734/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$9,586
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,884
−HK$303/mo
Today · 4.125%
HK$10,187
baseline
▲ 0.50% · 4.625%
HK$10,807
+HK$620/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,374/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$10,664
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,950
−HK$290/mo
Today · 4.125%
HK$11,240
baseline
▲ 0.50% · 4.625%
HK$11,833
+HK$593/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,480/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$11,184
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,532
−HK$353/mo
Today · 4.125%
HK$11,885
baseline
▲ 0.50% · 4.625%
HK$12,608
+HK$723/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,770/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$12,442
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,775
−HK$339/mo
Today · 4.125%
HK$13,114
baseline
▲ 0.50% · 4.625%
HK$13,805
+HK$691/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,228/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$14,379
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,826
−HK$455/mo
Today · 4.125%
HK$15,281
baseline
▲ 0.50% · 4.625%
HK$16,210
+HK$929/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,562/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$15,996
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,425
−HK$436/mo
Today · 4.125%
HK$16,861
baseline
▲ 0.50% · 4.625%
HK$17,749
+HK$888/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,722/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).