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$8,202
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,457
−HK$259/mo
Today · 4.125%
HK$8,716
baseline
▲ 0.50% · 4.625%
HK$9,246
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,432/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$9,124
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,369
−HK$248/mo
Today · 4.125%
HK$9,617
baseline
▲ 0.50% · 4.625%
HK$10,124
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,234/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$9,842
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,148
−HK$311/mo
Today · 4.125%
HK$10,459
baseline
▲ 0.50% · 4.625%
HK$11,096
+HK$637/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,918/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$10,949
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,243
−HK$298/mo
Today · 4.125%
HK$11,541
baseline
▲ 0.50% · 4.625%
HK$12,149
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,082/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$11,482
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,840
−HK$362/mo
Today · 4.125%
HK$12,202
baseline
▲ 0.50% · 4.625%
HK$12,945
+HK$743/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,404/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$12,774
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,117
−HK$347/mo
Today · 4.125%
HK$13,464
baseline
▲ 0.50% · 4.625%
HK$14,174
+HK$710/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,928/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$14,763
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,222
−HK$467/mo
Today · 4.125%
HK$15,689
baseline
▲ 0.50% · 4.625%
HK$16,644
+HK$955/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,378/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$16,424
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,864
−HK$447/mo
Today · 4.125%
HK$17,311
baseline
▲ 0.50% · 4.625%
HK$18,224
+HK$913/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,622/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).