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$8,214
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,470
−HK$260/mo
Today · 4.125%
HK$8,730
baseline
▲ 0.50% · 4.625%
HK$9,261
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,460/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$9,139
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,384
−HK$248/mo
Today · 4.125%
HK$9,632
baseline
▲ 0.50% · 4.625%
HK$10,140
+HK$508/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,264/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$9,857
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,164
−HK$312/mo
Today · 4.125%
HK$10,476
baseline
▲ 0.50% · 4.625%
HK$11,113
+HK$637/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,952/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$10,966
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,260
−HK$299/mo
Today · 4.125%
HK$11,559
baseline
▲ 0.50% · 4.625%
HK$12,168
+HK$609/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,118/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$11,500
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,858
−HK$363/mo
Today · 4.125%
HK$12,221
baseline
▲ 0.50% · 4.625%
HK$12,965
+HK$744/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,442/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$12,794
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,137
−HK$348/mo
Today · 4.125%
HK$13,485
baseline
▲ 0.50% · 4.625%
HK$14,196
+HK$711/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,970/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$14,786
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,246
−HK$467/mo
Today · 4.125%
HK$15,713
baseline
▲ 0.50% · 4.625%
HK$16,669
+HK$956/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,426/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$16,449
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,890
−HK$448/mo
Today · 4.125%
HK$17,338
baseline
▲ 0.50% · 4.625%
HK$18,252
+HK$914/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,676/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).