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$8,205
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,460
−HK$260/mo
Today · 4.125%
HK$8,720
baseline
▲ 0.50% · 4.625%
HK$9,250
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,440/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$9,128
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,373
−HK$248/mo
Today · 4.125%
HK$9,621
baseline
▲ 0.50% · 4.625%
HK$10,129
+HK$508/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,242/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$9,846
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,153
−HK$311/mo
Today · 4.125%
HK$10,464
baseline
▲ 0.50% · 4.625%
HK$11,100
+HK$636/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,928/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$10,954
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,248
−HK$298/mo
Today · 4.125%
HK$11,546
baseline
▲ 0.50% · 4.625%
HK$12,154
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,092/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$11,487
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,845
−HK$363/mo
Today · 4.125%
HK$12,208
baseline
▲ 0.50% · 4.625%
HK$12,950
+HK$742/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,416/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$12,779
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,122
−HK$348/mo
Today · 4.125%
HK$13,470
baseline
▲ 0.50% · 4.625%
HK$14,180
+HK$710/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,940/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$14,769
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,229
−HK$467/mo
Today · 4.125%
HK$15,696
baseline
▲ 0.50% · 4.625%
HK$16,651
+HK$955/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,392/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$16,431
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,871
−HK$447/mo
Today · 4.125%
HK$17,318
baseline
▲ 0.50% · 4.625%
HK$18,231
+HK$913/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,636/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).