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$8,199
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,454
−HK$259/mo
Today · 4.125%
HK$8,713
baseline
▲ 0.50% · 4.625%
HK$9,244
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,426/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$9,122
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,366
−HK$248/mo
Today · 4.125%
HK$9,614
baseline
▲ 0.50% · 4.625%
HK$10,121
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,228/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$9,839
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,145
−HK$311/mo
Today · 4.125%
HK$10,456
baseline
▲ 0.50% · 4.625%
HK$11,092
+HK$636/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,912/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$10,946
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,239
−HK$298/mo
Today · 4.125%
HK$11,537
baseline
▲ 0.50% · 4.625%
HK$12,145
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,074/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$11,479
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,836
−HK$363/mo
Today · 4.125%
HK$12,199
baseline
▲ 0.50% · 4.625%
HK$12,941
+HK$742/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,398/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$12,770
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,113
−HK$347/mo
Today · 4.125%
HK$13,460
baseline
▲ 0.50% · 4.625%
HK$14,170
+HK$710/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,920/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$14,759
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,218
−HK$466/mo
Today · 4.125%
HK$15,684
baseline
▲ 0.50% · 4.625%
HK$16,639
+HK$955/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,368/mo (50% DSR)
Upfront cash ≈ HK$360K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,419
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,859
−HK$447/mo
Today · 4.125%
HK$17,306
baseline
▲ 0.50% · 4.625%
HK$18,218
+HK$912/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,612/mo (50% DSR)
Upfront cash ≈ HK$360K (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).