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$8,203
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,458
−HK$259/mo
Today · 4.125%
HK$8,717
baseline
▲ 0.50% · 4.625%
HK$9,248
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,434/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$9,125
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,370
−HK$248/mo
Today · 4.125%
HK$9,618
baseline
▲ 0.50% · 4.625%
HK$10,125
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,236/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$9,843
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,149
−HK$312/mo
Today · 4.125%
HK$10,461
baseline
▲ 0.50% · 4.625%
HK$11,097
+HK$636/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,922/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$10,951
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,244
−HK$298/mo
Today · 4.125%
HK$11,542
baseline
▲ 0.50% · 4.625%
HK$12,151
+HK$609/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,084/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$11,484
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,841
−HK$363/mo
Today · 4.125%
HK$12,204
baseline
▲ 0.50% · 4.625%
HK$12,947
+HK$743/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,408/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$12,776
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,118
−HK$348/mo
Today · 4.125%
HK$13,466
baseline
▲ 0.50% · 4.625%
HK$14,176
+HK$710/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,932/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$14,765
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,224
−HK$467/mo
Today · 4.125%
HK$15,691
baseline
▲ 0.50% · 4.625%
HK$16,646
+HK$955/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,382/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$16,426
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,866
−HK$447/mo
Today · 4.125%
HK$17,313
baseline
▲ 0.50% · 4.625%
HK$18,226
+HK$913/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,626/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).