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$8,200
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,456
−HK$259/mo
Today · 4.125%
HK$8,715
baseline
▲ 0.50% · 4.625%
HK$9,245
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,430/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$9,123
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,368
−HK$248/mo
Today · 4.125%
HK$9,616
baseline
▲ 0.50% · 4.625%
HK$10,123
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,232/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$9,841
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,147
−HK$311/mo
Today · 4.125%
HK$10,458
baseline
▲ 0.50% · 4.625%
HK$11,094
+HK$636/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,916/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$10,947
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,241
−HK$298/mo
Today · 4.125%
HK$11,539
baseline
▲ 0.50% · 4.625%
HK$12,147
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,078/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$11,481
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,838
−HK$363/mo
Today · 4.125%
HK$12,201
baseline
▲ 0.50% · 4.625%
HK$12,943
+HK$742/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,402/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$12,772
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,115
−HK$347/mo
Today · 4.125%
HK$13,462
baseline
▲ 0.50% · 4.625%
HK$14,172
+HK$710/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,924/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$14,761
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,220
−HK$466/mo
Today · 4.125%
HK$15,686
baseline
▲ 0.50% · 4.625%
HK$16,641
+HK$955/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,372/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$16,421
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,862
−HK$446/mo
Today · 4.125%
HK$17,308
baseline
▲ 0.50% · 4.625%
HK$18,221
+HK$913/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,616/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).