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$8,195
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,450
−HK$259/mo
Today · 4.125%
HK$8,709
baseline
▲ 0.50% · 4.625%
HK$9,238
+HK$529/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,418/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$9,116
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,361
−HK$248/mo
Today · 4.125%
HK$9,609
baseline
▲ 0.50% · 4.625%
HK$10,115
+HK$506/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,218/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$9,834
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,139
−HK$311/mo
Today · 4.125%
HK$10,450
baseline
▲ 0.50% · 4.625%
HK$11,086
+HK$636/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,900/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$10,940
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,233
−HK$298/mo
Today · 4.125%
HK$11,531
baseline
▲ 0.50% · 4.625%
HK$12,139
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,062/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$11,472
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,829
−HK$363/mo
Today · 4.125%
HK$12,192
baseline
▲ 0.50% · 4.625%
HK$12,934
+HK$742/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,384/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$12,763
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,105
−HK$348/mo
Today · 4.125%
HK$13,453
baseline
▲ 0.50% · 4.625%
HK$14,162
+HK$709/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,906/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$14,750
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,209
−HK$466/mo
Today · 4.125%
HK$15,675
baseline
▲ 0.50% · 4.625%
HK$16,629
+HK$954/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,350/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$16,410
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,850
−HK$446/mo
Today · 4.125%
HK$17,296
baseline
▲ 0.50% · 4.625%
HK$18,208
+HK$912/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,592/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).