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$8,203
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,458
−HK$260/mo
Today · 4.125%
HK$8,718
baseline
▲ 0.50% · 4.625%
HK$9,248
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,436/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$9,126
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,371
−HK$248/mo
Today · 4.125%
HK$9,619
baseline
▲ 0.50% · 4.625%
HK$10,126
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,238/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$9,844
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,150
−HK$311/mo
Today · 4.125%
HK$10,461
baseline
▲ 0.50% · 4.625%
HK$11,098
+HK$637/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,922/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$10,951
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,245
−HK$298/mo
Today · 4.125%
HK$11,543
baseline
▲ 0.50% · 4.625%
HK$12,151
+HK$608/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,086/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$11,485
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,842
−HK$363/mo
Today · 4.125%
HK$12,205
baseline
▲ 0.50% · 4.625%
HK$12,947
+HK$742/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,410/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$12,776
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,119
−HK$348/mo
Today · 4.125%
HK$13,467
baseline
▲ 0.50% · 4.625%
HK$14,177
+HK$710/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,934/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$14,766
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,225
−HK$467/mo
Today · 4.125%
HK$15,692
baseline
▲ 0.50% · 4.625%
HK$16,647
+HK$955/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,384/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$16,427
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,867
−HK$447/mo
Today · 4.125%
HK$17,314
baseline
▲ 0.50% · 4.625%
HK$18,227
+HK$913/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,628/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).