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$8,206
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,461
−HK$260/mo
Today · 4.125%
HK$8,721
baseline
▲ 0.50% · 4.625%
HK$9,251
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,442/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$9,129
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,374
−HK$248/mo
Today · 4.125%
HK$9,622
baseline
▲ 0.50% · 4.625%
HK$10,129
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,244/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$9,847
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,153
−HK$312/mo
Today · 4.125%
HK$10,465
baseline
▲ 0.50% · 4.625%
HK$11,101
+HK$636/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,930/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$10,955
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,249
−HK$298/mo
Today · 4.125%
HK$11,547
baseline
▲ 0.50% · 4.625%
HK$12,155
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,094/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$11,488
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,846
−HK$363/mo
Today · 4.125%
HK$12,209
baseline
▲ 0.50% · 4.625%
HK$12,952
+HK$743/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,418/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$12,781
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,123
−HK$348/mo
Today · 4.125%
HK$13,471
baseline
▲ 0.50% · 4.625%
HK$14,181
+HK$710/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,942/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$14,771
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,230
−HK$467/mo
Today · 4.125%
HK$15,697
baseline
▲ 0.50% · 4.625%
HK$16,652
+HK$955/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,394/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$16,432
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,873
−HK$447/mo
Today · 4.125%
HK$17,320
baseline
▲ 0.50% · 4.625%
HK$18,233
+HK$913/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,640/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).