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$8,207
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,462
−HK$260/mo
Today · 4.125%
HK$8,722
baseline
▲ 0.50% · 4.625%
HK$9,252
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,444/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$9,130
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,375
−HK$249/mo
Today · 4.125%
HK$9,624
baseline
▲ 0.50% · 4.625%
HK$10,131
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,248/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$9,849
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,155
−HK$311/mo
Today · 4.125%
HK$10,466
baseline
▲ 0.50% · 4.625%
HK$11,103
+HK$637/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,932/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$10,956
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,250
−HK$298/mo
Today · 4.125%
HK$11,548
baseline
▲ 0.50% · 4.625%
HK$12,157
+HK$609/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,096/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$11,490
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,847
−HK$363/mo
Today · 4.125%
HK$12,210
baseline
▲ 0.50% · 4.625%
HK$12,953
+HK$743/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,420/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$12,782
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,125
−HK$348/mo
Today · 4.125%
HK$13,473
baseline
▲ 0.50% · 4.625%
HK$14,183
+HK$710/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,946/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$14,773
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,232
−HK$467/mo
Today · 4.125%
HK$15,699
baseline
▲ 0.50% · 4.625%
HK$16,654
+HK$955/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,398/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$16,435
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,875
−HK$448/mo
Today · 4.125%
HK$17,323
baseline
▲ 0.50% · 4.625%
HK$18,236
+HK$913/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,646/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).