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$8,190
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,445
−HK$259/mo
Today · 4.125%
HK$8,704
baseline
▲ 0.50% · 4.625%
HK$9,233
+HK$529/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,408/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$9,111
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,356
−HK$248/mo
Today · 4.125%
HK$9,604
baseline
▲ 0.50% · 4.625%
HK$10,110
+HK$506/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,208/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$9,828
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,134
−HK$310/mo
Today · 4.125%
HK$10,444
baseline
▲ 0.50% · 4.625%
HK$11,080
+HK$636/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,888/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$10,934
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,227
−HK$297/mo
Today · 4.125%
HK$11,524
baseline
▲ 0.50% · 4.625%
HK$12,132
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,048/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$11,466
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,823
−HK$362/mo
Today · 4.125%
HK$12,185
baseline
▲ 0.50% · 4.625%
HK$12,927
+HK$742/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,370/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$12,756
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,098
−HK$347/mo
Today · 4.125%
HK$13,445
baseline
▲ 0.50% · 4.625%
HK$14,154
+HK$709/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,890/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$14,742
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,201
−HK$466/mo
Today · 4.125%
HK$15,667
baseline
▲ 0.50% · 4.625%
HK$16,620
+HK$953/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,334/mo (50% DSR)
Upfront cash ≈ HK$359K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,400
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,840
−HK$446/mo
Today · 4.125%
HK$17,286
baseline
▲ 0.50% · 4.625%
HK$18,198
+HK$912/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,572/mo (50% DSR)
Upfront cash ≈ HK$359K (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).