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$8,188
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,443
−HK$258/mo
Today · 4.125%
HK$8,701
baseline
▲ 0.50% · 4.625%
HK$9,231
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,402/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$9,109
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,353
−HK$248/mo
Today · 4.125%
HK$9,601
baseline
▲ 0.50% · 4.625%
HK$10,107
+HK$506/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,202/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$616/mo
▼ 0.25% · 3.875%
HK$10,131
−HK$311/mo
Today · 4.125%
HK$10,442
baseline
▲ 0.50% · 4.625%
HK$11,077
+HK$635/mo
Deposit HK$1.44M · loan HK$2.15M · min. income ≈ HK$20,884/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$10,931
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,224
−HK$297/mo
Today · 4.125%
HK$11,521
baseline
▲ 0.50% · 4.625%
HK$12,129
+HK$608/mo
Deposit HK$1.44M · loan HK$2.15M · min. income ≈ HK$23,042/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$11,463
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,820
−HK$362/mo
Today · 4.125%
HK$12,182
baseline
▲ 0.50% · 4.625%
HK$12,923
+HK$741/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,364/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$12,753
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,095
−HK$347/mo
Today · 4.125%
HK$13,442
baseline
▲ 0.50% · 4.625%
HK$14,150
+HK$708/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,884/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$14,738
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,197
−HK$465/mo
Today · 4.125%
HK$15,662
baseline
▲ 0.50% · 4.625%
HK$16,616
+HK$954/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,324/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$16,396
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,836
−HK$446/mo
Today · 4.125%
HK$17,282
baseline
▲ 0.50% · 4.625%
HK$18,193
+HK$911/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,564/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).