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$8,186
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,441
−HK$258/mo
Today · 4.125%
HK$8,699
baseline
▲ 0.50% · 4.625%
HK$9,229
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,398/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$9,107
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,351
−HK$248/mo
Today · 4.125%
HK$9,599
baseline
▲ 0.50% · 4.625%
HK$10,105
+HK$506/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,198/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$9,823
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,129
−HK$310/mo
Today · 4.125%
HK$10,439
baseline
▲ 0.50% · 4.625%
HK$11,075
+HK$636/mo
Deposit HK$1.44M · loan HK$2.15M · min. income ≈ HK$20,878/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$10,928
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,222
−HK$297/mo
Today · 4.125%
HK$11,519
baseline
▲ 0.50% · 4.625%
HK$12,126
+HK$607/mo
Deposit HK$1.44M · loan HK$2.15M · min. income ≈ HK$23,038/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$11,461
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,817
−HK$362/mo
Today · 4.125%
HK$12,179
baseline
▲ 0.50% · 4.625%
HK$12,920
+HK$741/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,358/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$12,750
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,092
−HK$347/mo
Today · 4.125%
HK$13,439
baseline
▲ 0.50% · 4.625%
HK$14,147
+HK$708/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,878/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$14,735
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,193
−HK$466/mo
Today · 4.125%
HK$15,659
baseline
▲ 0.50% · 4.625%
HK$16,612
+HK$953/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,318/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$16,393
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,832
−HK$446/mo
Today · 4.125%
HK$17,278
baseline
▲ 0.50% · 4.625%
HK$18,189
+HK$911/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,556/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).