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$8,198
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,453
−HK$260/mo
Today · 4.125%
HK$8,713
baseline
▲ 0.50% · 4.625%
HK$9,243
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,426/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$9,121
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,365
−HK$248/mo
Today · 4.125%
HK$9,613
baseline
▲ 0.50% · 4.625%
HK$10,120
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,226/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$9,838
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,144
−HK$311/mo
Today · 4.125%
HK$10,455
baseline
▲ 0.50% · 4.625%
HK$11,091
+HK$636/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,910/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$10,945
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,238
−HK$298/mo
Today · 4.125%
HK$11,536
baseline
▲ 0.50% · 4.625%
HK$12,144
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,072/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$11,478
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,835
−HK$363/mo
Today · 4.125%
HK$12,198
baseline
▲ 0.50% · 4.625%
HK$12,940
+HK$742/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,396/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$12,769
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,111
−HK$348/mo
Today · 4.125%
HK$13,459
baseline
▲ 0.50% · 4.625%
HK$14,168
+HK$709/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,918/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$14,757
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,216
−HK$467/mo
Today · 4.125%
HK$15,683
baseline
▲ 0.50% · 4.625%
HK$16,637
+HK$954/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,366/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$16,417
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,857
−HK$447/mo
Today · 4.125%
HK$17,304
baseline
▲ 0.50% · 4.625%
HK$18,216
+HK$912/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,608/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).