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$8,231
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,487
−HK$260/mo
Today · 4.125%
HK$8,747
baseline
▲ 0.50% · 4.625%
HK$9,279
+HK$532/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,494/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$9,157
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,402
−HK$249/mo
Today · 4.125%
HK$9,651
baseline
▲ 0.50% · 4.625%
HK$10,160
+HK$509/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,302/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$9,877
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,184
−HK$312/mo
Today · 4.125%
HK$10,496
baseline
▲ 0.50% · 4.625%
HK$11,135
+HK$639/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$20,992/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$10,988
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,283
−HK$299/mo
Today · 4.125%
HK$11,582
baseline
▲ 0.50% · 4.625%
HK$12,192
+HK$610/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$23,164/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$11,523
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,881
−HK$365/mo
Today · 4.125%
HK$12,246
baseline
▲ 0.50% · 4.625%
HK$12,991
+HK$745/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,492/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$12,819
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,163
−HK$349/mo
Today · 4.125%
HK$13,512
baseline
▲ 0.50% · 4.625%
HK$14,224
+HK$712/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,024/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$14,815
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,276
−HK$468/mo
Today · 4.125%
HK$15,744
baseline
▲ 0.50% · 4.625%
HK$16,702
+HK$958/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,488/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$16,482
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,924
−HK$448/mo
Today · 4.125%
HK$17,372
baseline
▲ 0.50% · 4.625%
HK$18,288
+HK$916/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,744/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).