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$8,220
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,476
−HK$260/mo
Today · 4.125%
HK$8,736
baseline
▲ 0.50% · 4.625%
HK$9,267
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,472/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$9,145
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,390
−HK$249/mo
Today · 4.125%
HK$9,639
baseline
▲ 0.50% · 4.625%
HK$10,147
+HK$508/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,278/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$9,864
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,171
−HK$312/mo
Today · 4.125%
HK$10,483
baseline
▲ 0.50% · 4.625%
HK$11,121
+HK$638/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,966/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$10,974
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,268
−HK$299/mo
Today · 4.125%
HK$11,567
baseline
▲ 0.50% · 4.625%
HK$12,176
+HK$609/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,134/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$11,508
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,866
−HK$364/mo
Today · 4.125%
HK$12,230
baseline
▲ 0.50% · 4.625%
HK$12,974
+HK$744/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,460/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$12,803
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,146
−HK$348/mo
Today · 4.125%
HK$13,494
baseline
▲ 0.50% · 4.625%
HK$14,206
+HK$712/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,988/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$14,796
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,256
−HK$468/mo
Today · 4.125%
HK$15,724
baseline
▲ 0.50% · 4.625%
HK$16,681
+HK$957/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,448/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$16,461
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,902
−HK$448/mo
Today · 4.125%
HK$17,350
baseline
▲ 0.50% · 4.625%
HK$18,264
+HK$914/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,700/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).