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$8,192
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,447
−HK$259/mo
Today · 4.125%
HK$8,706
baseline
▲ 0.50% · 4.625%
HK$9,236
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,412/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$9,114
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,358
−HK$248/mo
Today · 4.125%
HK$9,606
baseline
▲ 0.50% · 4.625%
HK$10,113
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,212/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$9,831
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,136
−HK$311/mo
Today · 4.125%
HK$10,447
baseline
▲ 0.50% · 4.625%
HK$11,083
+HK$636/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,894/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$10,937
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,230
−HK$297/mo
Today · 4.125%
HK$11,527
baseline
▲ 0.50% · 4.625%
HK$12,135
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,054/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$11,469
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,826
−HK$362/mo
Today · 4.125%
HK$12,188
baseline
▲ 0.50% · 4.625%
HK$12,930
+HK$742/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,376/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$12,759
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,101
−HK$348/mo
Today · 4.125%
HK$13,449
baseline
▲ 0.50% · 4.625%
HK$14,158
+HK$709/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,898/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$14,746
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,205
−HK$466/mo
Today · 4.125%
HK$15,671
baseline
▲ 0.50% · 4.625%
HK$16,624
+HK$953/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,342/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$16,405
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,845
−HK$446/mo
Today · 4.125%
HK$17,291
baseline
▲ 0.50% · 4.625%
HK$18,203
+HK$912/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,582/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).