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$8,219
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,475
−HK$259/mo
Today · 4.125%
HK$8,734
baseline
▲ 0.50% · 4.625%
HK$9,266
+HK$532/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,468/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$9,143
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,389
−HK$248/mo
Today · 4.125%
HK$9,637
baseline
▲ 0.50% · 4.625%
HK$10,145
+HK$508/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,274/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$9,863
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,170
−HK$311/mo
Today · 4.125%
HK$10,481
baseline
▲ 0.50% · 4.625%
HK$11,119
+HK$638/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,962/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$10,972
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,266
−HK$299/mo
Today · 4.125%
HK$11,565
baseline
▲ 0.50% · 4.625%
HK$12,175
+HK$610/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,130/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$11,507
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,864
−HK$364/mo
Today · 4.125%
HK$12,228
baseline
▲ 0.50% · 4.625%
HK$12,972
+HK$744/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,456/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$12,801
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,144
−HK$348/mo
Today · 4.125%
HK$13,492
baseline
▲ 0.50% · 4.625%
HK$14,204
+HK$712/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,984/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$14,794
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,254
−HK$468/mo
Today · 4.125%
HK$15,722
baseline
▲ 0.50% · 4.625%
HK$16,678
+HK$956/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,444/mo (50% DSR)
Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,458
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,900
−HK$447/mo
Today · 4.125%
HK$17,347
baseline
▲ 0.50% · 4.625%
HK$18,262
+HK$915/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,694/mo (50% DSR)
Upfront cash ≈ HK$361K (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).