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$8,197
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,452
−HK$259/mo
Today · 4.125%
HK$8,711
baseline
▲ 0.50% · 4.625%
HK$9,241
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,422/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,119
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,364
−HK$248/mo
Today · 4.125%
HK$9,612
baseline
▲ 0.50% · 4.625%
HK$10,118
+HK$506/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,224/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,836
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,142
−HK$311/mo
Today · 4.125%
HK$10,453
baseline
▲ 0.50% · 4.625%
HK$11,089
+HK$636/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,906/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,943
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,236
−HK$298/mo
Today · 4.125%
HK$11,534
baseline
▲ 0.50% · 4.625%
HK$12,142
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,068/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,476
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,833
−HK$362/mo
Today · 4.125%
HK$12,195
baseline
▲ 0.50% · 4.625%
HK$12,937
+HK$742/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,390/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,767
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,109
−HK$347/mo
Today · 4.125%
HK$13,456
baseline
▲ 0.50% · 4.625%
HK$14,166
+HK$710/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,912/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,754
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,213
−HK$467/mo
Today · 4.125%
HK$15,680
baseline
▲ 0.50% · 4.625%
HK$16,634
+HK$954/mo
Deposit HK$359K · loan HK$3.24M · min. income ≈ HK$31,360/mo (50% DSR)
Upfront cash ≈ HK$360K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,414
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,854
−HK$447/mo
Today · 4.125%
HK$17,301
baseline
▲ 0.50% · 4.625%
HK$18,213
+HK$912/mo
Deposit HK$359K · loan HK$3.24M · min. income ≈ HK$34,602/mo (50% DSR)
Upfront cash ≈ HK$360K (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).