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$8,193
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,448
−HK$259/mo
Today · 4.125%
HK$8,707
baseline
▲ 0.50% · 4.625%
HK$9,237
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,414/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$9,115
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,359
−HK$248/mo
Today · 4.125%
HK$9,607
baseline
▲ 0.50% · 4.625%
HK$10,113
+HK$506/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,214/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$9,832
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,137
−HK$311/mo
Today · 4.125%
HK$10,448
baseline
▲ 0.50% · 4.625%
HK$11,084
+HK$636/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,896/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$10,938
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,231
−HK$297/mo
Today · 4.125%
HK$11,528
baseline
▲ 0.50% · 4.625%
HK$12,136
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,056/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$11,470
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,827
−HK$362/mo
Today · 4.125%
HK$12,189
baseline
▲ 0.50% · 4.625%
HK$12,931
+HK$742/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,378/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$12,760
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,103
−HK$347/mo
Today · 4.125%
HK$13,450
baseline
▲ 0.50% · 4.625%
HK$14,159
+HK$709/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,900/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$14,747
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,206
−HK$466/mo
Today · 4.125%
HK$15,672
baseline
▲ 0.50% · 4.625%
HK$16,626
+HK$954/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,344/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$16,406
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,846
−HK$447/mo
Today · 4.125%
HK$17,293
baseline
▲ 0.50% · 4.625%
HK$18,204
+HK$911/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,586/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).