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$8,207
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,462
−HK$259/mo
Today · 4.125%
HK$8,721
baseline
▲ 0.50% · 4.625%
HK$9,252
+HK$531/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$9,130
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,375
−HK$248/mo
Today · 4.125%
HK$9,623
baseline
▲ 0.50% · 4.625%
HK$10,130
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,246/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$9,848
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,154
−HK$312/mo
Today · 4.125%
HK$10,466
baseline
▲ 0.50% · 4.625%
HK$11,102
+HK$636/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,932/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$10,956
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,250
−HK$298/mo
Today · 4.125%
HK$11,548
baseline
▲ 0.50% · 4.625%
HK$12,156
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,096/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$11,489
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,847
−HK$363/mo
Today · 4.125%
HK$12,210
baseline
▲ 0.50% · 4.625%
HK$12,953
+HK$743/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,420/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$12,782
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,125
−HK$347/mo
Today · 4.125%
HK$13,472
baseline
▲ 0.50% · 4.625%
HK$14,182
+HK$710/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,944/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$14,772
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,231
−HK$467/mo
Today · 4.125%
HK$15,698
baseline
▲ 0.50% · 4.625%
HK$16,654
+HK$956/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,396/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$16,434
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,874
−HK$448/mo
Today · 4.125%
HK$17,322
baseline
▲ 0.50% · 4.625%
HK$18,235
+HK$913/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,644/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).