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$8,200
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,455
−HK$259/mo
Today · 4.125%
HK$8,714
baseline
▲ 0.50% · 4.625%
HK$9,244
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,428/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$9,122
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,367
−HK$248/mo
Today · 4.125%
HK$9,615
baseline
▲ 0.50% · 4.625%
HK$10,122
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,230/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$9,840
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,146
−HK$311/mo
Today · 4.125%
HK$10,457
baseline
▲ 0.50% · 4.625%
HK$11,093
+HK$636/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,914/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$10,946
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,240
−HK$298/mo
Today · 4.125%
HK$11,538
baseline
▲ 0.50% · 4.625%
HK$12,146
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,076/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$11,479
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,837
−HK$362/mo
Today · 4.125%
HK$12,199
baseline
▲ 0.50% · 4.625%
HK$12,942
+HK$743/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,398/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$12,771
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,113
−HK$348/mo
Today · 4.125%
HK$13,461
baseline
▲ 0.50% · 4.625%
HK$14,170
+HK$709/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,922/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$14,759
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,218
−HK$467/mo
Today · 4.125%
HK$15,685
baseline
▲ 0.50% · 4.625%
HK$16,639
+HK$954/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,370/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$16,420
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,860
−HK$447/mo
Today · 4.125%
HK$17,307
baseline
▲ 0.50% · 4.625%
HK$18,219
+HK$912/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,614/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).