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$8,215
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,471
−HK$259/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$494/mo
▼ 0.25% · 3.875%
HK$9,384
−HK$249/mo
Today · 4.125%
HK$9,633
baseline
▲ 0.50% · 4.625%
HK$10,141
+HK$508/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,266/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$9,858
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,165
−HK$311/mo
Today · 4.125%
HK$10,476
baseline
▲ 0.50% · 4.625%
HK$11,114
+HK$638/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$10,967
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,261
−HK$298/mo
Today · 4.125%
HK$11,559
baseline
▲ 0.50% · 4.625%
HK$12,169
+HK$610/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$11,501
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,859
−HK$363/mo
Today · 4.125%
HK$12,222
baseline
▲ 0.50% · 4.625%
HK$12,966
+HK$744/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,444/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$12,795
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,138
−HK$348/mo
Today · 4.125%
HK$13,486
baseline
▲ 0.50% · 4.625%
HK$14,197
+HK$711/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,972/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$14,787
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,247
−HK$467/mo
Today · 4.125%
HK$15,714
baseline
▲ 0.50% · 4.625%
HK$16,670
+HK$956/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,428/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$16,450
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,892
−HK$447/mo
Today · 4.125%
HK$17,339
baseline
▲ 0.50% · 4.625%
HK$18,253
+HK$914/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,678/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).