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$8,208
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,463
−HK$260/mo
Today · 4.125%
HK$8,723
baseline
▲ 0.50% · 4.625%
HK$9,254
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,446/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$9,131
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,376
−HK$249/mo
Today · 4.125%
HK$9,625
baseline
▲ 0.50% · 4.625%
HK$10,132
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,250/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$9,850
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,156
−HK$311/mo
Today · 4.125%
HK$10,467
baseline
▲ 0.50% · 4.625%
HK$11,104
+HK$637/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,934/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$10,958
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,252
−HK$298/mo
Today · 4.125%
HK$11,550
baseline
▲ 0.50% · 4.625%
HK$12,158
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,100/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$11,491
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,849
−HK$363/mo
Today · 4.125%
HK$12,212
baseline
▲ 0.50% · 4.625%
HK$12,955
+HK$743/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,424/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$12,784
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,127
−HK$348/mo
Today · 4.125%
HK$13,475
baseline
▲ 0.50% · 4.625%
HK$14,185
+HK$710/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,950/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$14,775
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,234
−HK$467/mo
Today · 4.125%
HK$15,701
baseline
▲ 0.50% · 4.625%
HK$16,656
+HK$955/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,402/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$16,436
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,877
−HK$448/mo
Today · 4.125%
HK$17,325
baseline
▲ 0.50% · 4.625%
HK$18,238
+HK$913/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,650/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).