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$8,216
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,471
−HK$260/mo
Today · 4.125%
HK$8,731
baseline
▲ 0.50% · 4.625%
HK$9,262
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,462/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$9,140
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,385
−HK$249/mo
Today · 4.125%
HK$9,634
baseline
▲ 0.50% · 4.625%
HK$10,142
+HK$508/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,268/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$9,859
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,166
−HK$311/mo
Today · 4.125%
HK$10,477
baseline
▲ 0.50% · 4.625%
HK$11,115
+HK$638/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,954/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$10,968
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,262
−HK$299/mo
Today · 4.125%
HK$11,561
baseline
▲ 0.50% · 4.625%
HK$12,170
+HK$609/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,122/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$11,502
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,860
−HK$364/mo
Today · 4.125%
HK$12,224
baseline
▲ 0.50% · 4.625%
HK$12,967
+HK$743/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,448/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$12,796
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,139
−HK$349/mo
Today · 4.125%
HK$13,488
baseline
▲ 0.50% · 4.625%
HK$14,198
+HK$710/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,976/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$14,789
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,249
−HK$467/mo
Today · 4.125%
HK$15,716
baseline
▲ 0.50% · 4.625%
HK$16,672
+HK$956/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,432/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$16,452
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,893
−HK$448/mo
Today · 4.125%
HK$17,341
baseline
▲ 0.50% · 4.625%
HK$18,255
+HK$914/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,682/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).