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$8,228
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,484
−HK$260/mo
Today · 4.125%
HK$8,744
baseline
▲ 0.50% · 4.625%
HK$9,277
+HK$533/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,488/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$9,154
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,400
−HK$249/mo
Today · 4.125%
HK$9,649
baseline
▲ 0.50% · 4.625%
HK$10,157
+HK$508/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,298/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$9,874
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,181
−HK$312/mo
Today · 4.125%
HK$10,493
baseline
▲ 0.50% · 4.625%
HK$11,132
+HK$639/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$20,986/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$10,985
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,280
−HK$298/mo
Today · 4.125%
HK$11,578
baseline
▲ 0.50% · 4.625%
HK$12,189
+HK$611/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$23,156/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$11,520
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,878
−HK$364/mo
Today · 4.125%
HK$12,242
baseline
▲ 0.50% · 4.625%
HK$12,987
+HK$745/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,484/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$12,816
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,159
−HK$349/mo
Today · 4.125%
HK$13,508
baseline
▲ 0.50% · 4.625%
HK$14,220
+HK$712/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,016/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$14,811
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,272
−HK$468/mo
Today · 4.125%
HK$15,740
baseline
▲ 0.50% · 4.625%
HK$16,698
+HK$958/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,480/mo (50% DSR)
Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,477
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,919
−HK$449/mo
Today · 4.125%
HK$17,368
baseline
▲ 0.50% · 4.625%
HK$18,283
+HK$915/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,736/mo (50% DSR)
Upfront cash ≈ HK$361K (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).