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$8,189
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,443
−HK$259/mo
Today · 4.125%
HK$8,702
baseline
▲ 0.50% · 4.625%
HK$9,232
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,404/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$9,110
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,354
−HK$248/mo
Today · 4.125%
HK$9,602
baseline
▲ 0.50% · 4.625%
HK$10,108
+HK$506/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,204/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$9,826
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,132
−HK$311/mo
Today · 4.125%
HK$10,443
baseline
▲ 0.50% · 4.625%
HK$11,078
+HK$635/mo
Deposit HK$1.44M · loan HK$2.15M · min. income ≈ HK$20,886/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$10,932
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,225
−HK$297/mo
Today · 4.125%
HK$11,522
baseline
▲ 0.50% · 4.625%
HK$12,130
+HK$608/mo
Deposit HK$1.44M · loan HK$2.15M · min. income ≈ HK$23,044/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$11,464
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,821
−HK$362/mo
Today · 4.125%
HK$12,183
baseline
▲ 0.50% · 4.625%
HK$12,924
+HK$741/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,366/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$12,754
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,096
−HK$347/mo
Today · 4.125%
HK$13,443
baseline
▲ 0.50% · 4.625%
HK$14,151
+HK$708/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,886/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$14,740
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,198
−HK$466/mo
Today · 4.125%
HK$15,664
baseline
▲ 0.50% · 4.625%
HK$16,617
+HK$953/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,328/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$16,398
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,837
−HK$446/mo
Today · 4.125%
HK$17,283
baseline
▲ 0.50% · 4.625%
HK$18,195
+HK$912/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,566/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).