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$8,223
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,479
−HK$260/mo
Today · 4.125%
HK$8,739
baseline
▲ 0.50% · 4.625%
HK$9,270
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,478/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$9,148
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,393
−HK$249/mo
Today · 4.125%
HK$9,642
baseline
▲ 0.50% · 4.625%
HK$10,151
+HK$509/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,284/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$9,868
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,175
−HK$311/mo
Today · 4.125%
HK$10,486
baseline
▲ 0.50% · 4.625%
HK$11,124
+HK$638/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,972/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$10,978
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,272
−HK$299/mo
Today · 4.125%
HK$11,571
baseline
▲ 0.50% · 4.625%
HK$12,181
+HK$610/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,142/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$11,512
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,870
−HK$364/mo
Today · 4.125%
HK$12,234
baseline
▲ 0.50% · 4.625%
HK$12,979
+HK$745/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,468/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$12,807
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,151
−HK$348/mo
Today · 4.125%
HK$13,499
baseline
▲ 0.50% · 4.625%
HK$14,211
+HK$712/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,998/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$14,801
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,262
−HK$468/mo
Today · 4.125%
HK$15,730
baseline
▲ 0.50% · 4.625%
HK$16,687
+HK$957/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,460/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$16,466
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,908
−HK$448/mo
Today · 4.125%
HK$17,356
baseline
▲ 0.50% · 4.625%
HK$18,271
+HK$915/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,712/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).