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$8,211
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,466
−HK$260/mo
Today · 4.125%
HK$8,726
baseline
▲ 0.50% · 4.625%
HK$9,257
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,452/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$9,135
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,380
−HK$248/mo
Today · 4.125%
HK$9,628
baseline
▲ 0.50% · 4.625%
HK$10,136
+HK$508/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,256/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$9,853
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,160
−HK$311/mo
Today · 4.125%
HK$10,471
baseline
▲ 0.50% · 4.625%
HK$11,108
+HK$637/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,942/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$10,962
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,256
−HK$298/mo
Today · 4.125%
HK$11,554
baseline
▲ 0.50% · 4.625%
HK$12,163
+HK$609/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,108/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$11,495
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,853
−HK$363/mo
Today · 4.125%
HK$12,216
baseline
▲ 0.50% · 4.625%
HK$12,960
+HK$744/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,432/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$12,789
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,132
−HK$347/mo
Today · 4.125%
HK$13,479
baseline
▲ 0.50% · 4.625%
HK$14,190
+HK$711/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,958/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$14,780
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,240
−HK$467/mo
Today · 4.125%
HK$15,707
baseline
▲ 0.50% · 4.625%
HK$16,662
+HK$955/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,414/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$16,442
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,883
−HK$448/mo
Today · 4.125%
HK$17,331
baseline
▲ 0.50% · 4.625%
HK$18,244
+HK$913/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,662/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).