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$8,217
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,472
−HK$260/mo
Today · 4.125%
HK$8,732
baseline
▲ 0.50% · 4.625%
HK$9,263
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,464/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$9,141
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,386
−HK$249/mo
Today · 4.125%
HK$9,635
baseline
▲ 0.50% · 4.625%
HK$10,143
+HK$508/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,270/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$9,860
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,167
−HK$311/mo
Today · 4.125%
HK$10,478
baseline
▲ 0.50% · 4.625%
HK$11,116
+HK$638/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,956/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$10,969
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,263
−HK$299/mo
Today · 4.125%
HK$11,562
baseline
▲ 0.50% · 4.625%
HK$12,171
+HK$609/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,124/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$11,503
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,861
−HK$364/mo
Today · 4.125%
HK$12,225
baseline
▲ 0.50% · 4.625%
HK$12,969
+HK$744/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,450/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$12,798
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,141
−HK$348/mo
Today · 4.125%
HK$13,489
baseline
▲ 0.50% · 4.625%
HK$14,200
+HK$711/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,978/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$14,790
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,250
−HK$468/mo
Today · 4.125%
HK$15,718
baseline
▲ 0.50% · 4.625%
HK$16,674
+HK$956/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,436/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$16,454
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,895
−HK$448/mo
Today · 4.125%
HK$17,343
baseline
▲ 0.50% · 4.625%
HK$18,257
+HK$914/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,686/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).