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$8,198
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,453
−HK$259/mo
Today · 4.125%
HK$8,712
baseline
▲ 0.50% · 4.625%
HK$9,242
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,424/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$9,120
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,365
−HK$248/mo
Today · 4.125%
HK$9,613
baseline
▲ 0.50% · 4.625%
HK$10,120
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,226/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$9,838
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,144
−HK$311/mo
Today · 4.125%
HK$10,455
baseline
▲ 0.50% · 4.625%
HK$11,091
+HK$636/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,910/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$10,944
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,238
−HK$298/mo
Today · 4.125%
HK$11,536
baseline
▲ 0.50% · 4.625%
HK$12,144
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,072/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$11,477
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,834
−HK$363/mo
Today · 4.125%
HK$12,197
baseline
▲ 0.50% · 4.625%
HK$12,939
+HK$742/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,394/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$12,768
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,111
−HK$347/mo
Today · 4.125%
HK$13,458
baseline
▲ 0.50% · 4.625%
HK$14,168
+HK$710/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,916/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$14,756
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,215
−HK$467/mo
Today · 4.125%
HK$15,682
baseline
▲ 0.50% · 4.625%
HK$16,636
+HK$954/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,364/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$16,416
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,857
−HK$446/mo
Today · 4.125%
HK$17,303
baseline
▲ 0.50% · 4.625%
HK$18,215
+HK$912/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,606/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).