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$8,230
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,486
−HK$260/mo
Today · 4.125%
HK$8,746
baseline
▲ 0.50% · 4.625%
HK$9,278
+HK$532/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,492/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$9,156
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,401
−HK$249/mo
Today · 4.125%
HK$9,650
baseline
▲ 0.50% · 4.625%
HK$10,159
+HK$509/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,300/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$9,876
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,183
−HK$312/mo
Today · 4.125%
HK$10,495
baseline
▲ 0.50% · 4.625%
HK$11,134
+HK$639/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$20,990/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$10,987
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,282
−HK$298/mo
Today · 4.125%
HK$11,580
baseline
▲ 0.50% · 4.625%
HK$12,191
+HK$611/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$23,160/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$11,522
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,880
−HK$364/mo
Today · 4.125%
HK$12,244
baseline
▲ 0.50% · 4.625%
HK$12,990
+HK$746/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,488/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$12,818
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,162
−HK$349/mo
Today · 4.125%
HK$13,511
baseline
▲ 0.50% · 4.625%
HK$14,223
+HK$712/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,022/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$14,814
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,275
−HK$468/mo
Today · 4.125%
HK$15,743
baseline
▲ 0.50% · 4.625%
HK$16,701
+HK$958/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,486/mo (50% DSR)
Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,480
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,922
−HK$449/mo
Today · 4.125%
HK$17,371
baseline
▲ 0.50% · 4.625%
HK$18,286
+HK$915/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,742/mo (50% DSR)
Upfront cash ≈ HK$361K (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).