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$8,191
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,446
−HK$259/mo
Today · 4.125%
HK$8,705
baseline
▲ 0.50% · 4.625%
HK$9,234
+HK$529/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,410/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$9,112
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,357
−HK$248/mo
Today · 4.125%
HK$9,605
baseline
▲ 0.50% · 4.625%
HK$10,111
+HK$506/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,210/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$9,829
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,135
−HK$311/mo
Today · 4.125%
HK$10,446
baseline
▲ 0.50% · 4.625%
HK$11,081
+HK$635/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,892/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$10,935
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,228
−HK$298/mo
Today · 4.125%
HK$11,526
baseline
▲ 0.50% · 4.625%
HK$12,133
+HK$607/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,052/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$11,467
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,824
−HK$362/mo
Today · 4.125%
HK$12,186
baseline
▲ 0.50% · 4.625%
HK$12,928
+HK$742/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,372/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$12,757
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,099
−HK$348/mo
Today · 4.125%
HK$13,447
baseline
▲ 0.50% · 4.625%
HK$14,155
+HK$708/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,894/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$14,744
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,202
−HK$466/mo
Today · 4.125%
HK$15,668
baseline
▲ 0.50% · 4.625%
HK$16,622
+HK$954/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,336/mo (50% DSR)
Upfront cash ≈ HK$359K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,402
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,842
−HK$446/mo
Today · 4.125%
HK$17,288
baseline
▲ 0.50% · 4.625%
HK$18,200
+HK$912/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,576/mo (50% DSR)
Upfront cash ≈ HK$359K (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).